Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 43.4 and a net worth ratio of 0.0. A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0).
Asset Mix:
Consumer loans (30%), other (70%)
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
200 East Fifth Avenue
Gary, IN 46402
Gary, IN 46402
Phone Number
(219) 881-5217
NCUA Charter Number
Largest Competitors
South Bend, IN
Evansville, IN
Indianapolis, IN