Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.9 and a net worth ratio of 14.9. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 8.4, driven by a liquidity ratio of 93.9 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (7.2) profitability.
Asset Mix:
Consumer loans (17%), other (83%)
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
1035 East 105 Street
Cleveland, OH 44108
Cleveland, OH 44108
Phone Number
(216) 761-2110
NCUA Charter Number
Largest Competitors
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH