Major Rating Factors:
A current level of 15.4 percent of nonperforming loans to core capital combined with 15.4 percent from a year earlier contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.0 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. Good liquidity 5.6, driven by a liquidity ratio of 41.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (41%), home mtgs (9%), securities (7%), other (42%)
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
3840 Pearl Road
Cleveland, OH 44109
Cleveland, OH 44109
Phone Number
(216) 741-9430
NCUA Charter Number
Website
Largest Competitors
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH