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 (2.7 on a scale of 0 to 10). Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 0.0.
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 16.6 percent and a “hot money” ratio of 9.3 percent. A current level of 8.5 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Securities (31%), consumer loans (18%), home mtgs (14%), other (38%)
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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