Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.8 has resulted in Good (6.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 26.2 and a net worth ratio of 26.2. A current level of 5.9 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Consumer loans (52%), securities (4%), other (44%)
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
5750 Harper Road
Solon, OH 44139
Solon, OH 44139
Phone Number
(440) 715-2010
NCUA Charter Number
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
Solon, OH