Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.5 has resulted in Good (5.2) profitability.
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 37.5 percent and a “hot money” ratio of 0.0 percent. A current level of 3.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Asset Mix:
Consumer loans (64%), securities (3%), other (33%)
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
6637 Lorain Avenue
Cleveland, OH 44102
Cleveland, OH 44102
Phone Number
(216) 281-4570
NCUA Charter Number
Largest Competitors
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH