S And J School Employees Federal Credit Union
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 (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.4) profitability.
Other Rating Factors:
A current level of 17.4 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.7). Fair liquidity 4.8, driven by a liquidity ratio of 30.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (59%), other (41%)
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