Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10). Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 7.2.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 20.2 percent and a “hot money” ratio of 8.0 percent. A current level of 10.3 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Securities (31%), consumer loans (19%), home mtgs (14%), other (37%)
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
1109 East Strub Road
Sandusky, OH 44870
Sandusky, OH 44870
Phone Number
(419) 626-4283
NCUA Charter Number
Website
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