Major Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Good (6.3) profitability.
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 8.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Home mtgs (28%), consumer loans (20%), comm loans (9%), securities (8%), 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
12837 US Highway 68
Kenton, OH 43326
Kenton, OH 43326
Phone Number
(419) 674-4998
NCUA Charter Number
Website
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