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 (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent liquidity 7.6, driven by a liquidity ratio of 47.8 percent and a “hot money” ratio of 1.5 percent.
Asset Mix:
Consumer loans (19%), home mtgs (2%), other (79%)
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
1120 South Main Street
Kokomo, IN 46902
Kokomo, IN 46902
Phone Number
(765) 459-0758
NCUA Charter Number
Website
Largest Competitors
Kokomo, IN
Kokomo, IN
Kokomo, IN
Kokomo, IN