Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 28.9 and a net worth ratio of 28.9. A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 67.6 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (28%), other (72%)
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
4950 Cedar Avenue
Hammond, IN 46327
Hammond, IN 46327
Phone Number
(219) 937-1602
NCUA Charter Number
Largest Competitors
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Hammond, IN