Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.8 and a net worth ratio of 12.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.3 has resulted in Fair (5.0) profitability.
Asset Mix:
Consumer loans (48%), securities (17%), home mtgs (17%), comm loans (3%), other (14%)
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
4505 South Adams Street
Marion, IN 46953
Marion, IN 46953
Phone Number
(765) 674-6631
NCUA Charter Number
Website
Largest Competitors
South Bend, IN
Evansville, IN
Marion, IN
Marion, IN
Marion, IN