Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.3) profitability. A current level of 15.4 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 11.6. Good liquidity 6.9, driven by a liquidity ratio of 49.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (34%), other (66%)
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
6420 Glenn Highway
Cambridge, OH 43725
Cambridge, OH 43725
Phone Number
(740) 432-6713
NCUA Charter Number
Website
Largest Competitors
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