Best Reward Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 14.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (9.2). Good liquidity 5.7, driven by a liquidity ratio of 34.7 percent and a “hot money” ratio of 2.1 percent.
Asset Mix:
Consumer loans (15%), securities (5%), home mtgs (2%), other (78%)
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
5681 Smith Road
Brook Park, OH 44142
Brook Park, OH 44142
Phone Number
(216) 367-8000
NCUA Charter Number
Website
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