Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.5 and a net worth ratio of 19.5. A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.5).
Other Rating Factors:
Excellent liquidity 7.6, driven by a liquidity ratio of 55.1 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Securities (15%), consumer loans (9%), home mtgs (5%), other (71%)
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
7367 York Road
Parma, OH 44130
Parma, OH 44130
Phone Number
(440) 842-1620
NCUA Charter Number
Largest Competitors
Parma, OH
Parma, OH
Parma, OH
Parma, OH