Wayne County Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 10.8. A current level of 6.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (5.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Securities (48%), consumer loans (18%), home mtgs (8%), other (26%)
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
311 Kaufman Drive
Smithville, OH 44677
Smithville, OH 44677
Phone Number
(330) 669-2117
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
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