Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 0.0. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 26.1 percent and a “hot money” ratio of 7.6 percent. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 0.5 has resulted in Fair (4.4) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (4%), other (61%)
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
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
Lima, OH