Valley One Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.4 and a net worth ratio of 12.4. A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8).
Other Rating Factors:
Good liquidity 6.6, driven by a liquidity ratio of 55.0 percent and a “hot money” ratio of 1.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Securities (32%), consumer loans (8%), home mtgs (2%), other (58%)
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
2990 Johnson Road
Steubenville, OH 43952
Steubenville, OH 43952
Phone Number
(740) 264-1402
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
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Lima, OH