Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital contributes to the Good asset quality (5.5). Fair liquidity 4.2, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 3.2 percent.
Asset Mix:
Consumer loans (69%), home mtgs (0%), other (31%)
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
1123 Sugarbush Drive
Ashland, OH 44805
Ashland, OH 44805
Phone Number
(419) 289-6211
NCUA Charter Number
Website
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