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 (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.7) profitability.
Other Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Good asset quality (6.9). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 8.8.
Asset Mix:
Consumer loans (35%), home mtgs (14%), securities (2%), other (49%)
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
5839 Ridge Road
Parma, OH 44129
Parma, OH 44129
Phone Number
(440) 886-2558
NCUA Charter Number
Website
Largest Competitors
Parma, OH
Parma, OH
Parma, OH
Parma, OH