Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability. A current level of 3.8 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.7 and a capital leverage ratio of 10.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (23%), comm loans (23%), securities (13%), comm re (7%), cash (5%), consumer loans (2%), other (27%)
States with Branches:
OH
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
Group Affiliation
National Consumer Cooperative Bank
Investment Rating
--
Address
139 South High Street
Hillsboro, OH 45133
Hillsboro, OH 45133
Phone Number
(937) 393-4246
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.