Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.3. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.0 has resulted in Excellent (8.4) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 20.3 percent and a “hot money” ratio of 2.3 percent.
Asset Mix:
Consumer loans (39%), home mtgs (18%), securities (7%), other (35%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3737 South Scatterfield Road
Anderson, IN 46013
Anderson, IN 46013
Phone Number
(765) 649-9271
NCUA Charter Number
Website
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