Major Rating Factors:
A current level of 18.7 percent of nonperforming loans to core capital combined with 18.1 percent from a year earlier contributes to the Weak asset quality (3.0).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (60%), home mtgs (18%), other (21%)
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
450 South Lebanon Street
Lebanon, IN 46052
Lebanon, IN 46052
Phone Number
(317) 733-2200
NCUA Charter Number
Website
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