Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.2 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 31.0 percent and a “hot money” ratio of 22.5 percent. A current level of 4.6 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Good asset quality (5.1).
Asset Mix:
Consumer loans (64%), other (36%)
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
1105 Ninth Street, SW
Canton, OH 44707
Canton, OH 44707
Phone Number
(330) 453-8409
NCUA Charter Number
Largest Competitors
Beavercreek, OH
Canton, OH
Canton, OH
Canton, OH