Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 12.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Fair liquidity 3.7, driven by a liquidity ratio of 33.1 percent and a “hot money” ratio of 11.6 percent.
Asset Mix:
Securities (36%), home mtgs (16%), comm loans (11%), consumer loans (8%), other (28%)
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
31 Lynn Avenue
Oxford, OH 45056
Oxford, OH 45056
Phone Number
(513) 523-8888
NCUA Charter Number
Website
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