S And J School Employees Federal Credit Union
Major Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1. Fair liquidity 4.7, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (63%), 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
734 Main Street
Wintersville, OH 43953
Wintersville, OH 43953
Phone Number
(740) 266-6354
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
Lima, OH