Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 27.0 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 7.9.
Asset Mix:
Securities (32%), consumer loans (16%), home mtgs (6%), other (47%)
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
2091 James East Sauls Sr Drive
Batavia, OH 45103
Batavia, OH 45103
Phone Number
(513) 724-6098
NCUA Charter Number
Website
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