Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.2. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 0.7 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6). Good liquidity 5.0, driven by a liquidity ratio of 29.3 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Consumer loans (35%), comm loans (9%), home mtgs (3%), other (53%)
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
25 Shaffer Park Drive
Tiffin, OH 44883
Tiffin, OH 44883
Phone Number
(419) 448-0191
NCUA Charter Number
Website
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