Service One Credit Union, Inc.
Major Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.5.
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 (5.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Good (5.3) profitability.
Asset Mix:
Home mtgs (28%), consumer loans (25%), comm loans (12%), other (36%)
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
1609 Campbell Lane
Bowling Green, KY 42104
Bowling Green, KY 42104
Phone Number
(270) 796-8500
NCUA Charter Number
Website
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