Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.0 and a net worth ratio of 13.0. A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 19.9 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Consumer loans (29%), home mtgs (22%), securities (15%), comm loans (2%), other (33%)
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
7740 Paragon Road
Dayton, OH 45459
Dayton, OH 45459
Phone Number
(937) 558-9070
NCUA Charter Number
Website
Largest Competitors
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH