Lake County Educational Federal Credit Union
Major Rating Factors:
Very Weak current capitalization (0.2 on a scale of 0 to 10) based on a net capital to total assets of 3.4 and a net worth ratio of 8.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 10.9 percent and a “hot money” ratio of 3.4 percent. A current level of 23.1 percent of nonperforming loans to core capital combined with 12.7 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (36%), home mtgs (12%), other (52%)
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
1595 Mentor Avenue
Painesville, OH 44077
Painesville, OH 44077
Phone Number
(440) 352-4732
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Painesville, OH
Painesville, OH
Painesville, OH
Painesville, OH