Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.6 has resulted in Excellent (9.8) profitability.
Other 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 (6.2 on a scale of 0 to 10). A current level of 12.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Asset Mix:
Home mtgs (31%), consumer loans (16%), securities (7%), other (47%)
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
Six South Second Street
Hamilton, OH 45011
Hamilton, OH 45011
Phone Number
(513) 868-5881
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
Lima, OH