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 (3.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 8.0. Excellent liquidity 8.0, driven by a liquidity ratio of 82.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (26%), other (74%)
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
410 East Spring Street
Bluffton, IN 46714
Bluffton, IN 46714
Phone Number
(260) 827-2213
NCUA Charter Number
Website
Largest Competitors
South Bend, IN
Evansville, IN
Indianapolis, IN
Indianapolis, IN
Fort Wayne, IN