TruPartner Credit Union, Inc.

Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).

Other Rating Factors: Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.8. A current level of 8.3 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Excellent asset quality (7.2).

Asset Mix: Securities (25%), consumer loans (24%), home mtgs (8%), other (44%)

Asset Quality

Non-Performing Loans to Capital

8.32%

Non-Performing Assets to Assets

0.95%

Non-Performing Loans to Loans

1.79%

Loan Loss Reserves to Loans

1.33%

Charge-Offs to Average Loans

1.06%

5-Year Charge-Offs to Average Loans

0.32%

5-Year Asset Growth

2.59%

1-Year Asset Growth

-10.42%

Profitability

Operating Profit to Average Assets

0.85%

Return on Equity

-0.61%

Net Interest Spread

4.55%

5-Year ROAA (Return on Average Assets)

0.33%

Overhead Efficiency Ratio

82.21%

Liquidity

Liquidity Ratio

18.12%

Hot Money

1.86%

Corporate Info

Address

1717 Western Avenue
Cincinnati, OH 45214

Phone Number

(513) 241-2050

NCUA Charter Number

95802

Website

http://www.trupartnercu.org

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