Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 9.0. A current level of 10.0 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2).
Asset Mix:
Consumer loans (32%), home mtgs (13%), securities (4%), comm loans (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