Wayne County Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 0.0. A current level of 5.4 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 40.7 percent and a “hot money” ratio of 3.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10).
Asset Mix:
Securities (50%), consumer loans (17%), home mtgs (7%), other (27%)
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
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