Community Spirit Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (2.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 24.3 percent and a “hot money” ratio of 24.6 percent. A current level of 12.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Asset Mix:
Consumer loans (37%), securities (34%), home mtgs (2%), other (26%)
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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