Community Spirit Credit Union
Major Rating Factors:
A current level of 9.1 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 7.0 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (49%), securities (28%), home mtgs (3%), other (20%)
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
160 Industrial Drive
Lawrenceburg, IN 47025
Lawrenceburg, IN 47025
Phone Number
(812) 537-0928
NCUA Charter Number
Website
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