Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 0.0. A current level of 10.7 percent of nonperforming loans to core capital combined with 10.7 percent from a year earlier contributes to the Good asset quality (6.7).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 30.9 percent and a “hot money” ratio of 2.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), securities (13%), home mtgs (3%), other (54%)
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
1002 Broad Street
Conneaut, OH 44030
Conneaut, OH 44030
Phone Number
(440) 593-7350
NCUA Charter Number
Website
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