Major Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.6 has resulted in Excellent (7.5) profitability. A current level of 5.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
Other Rating Factors:
Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 8.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), home mtgs (21%), comm loans (11%), other (29%)
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
4988 Wagner Ford Road
Dayton, OH 45414
Dayton, OH 45414
Phone Number
(937) 236-2562
NCUA Charter Number
Website
Largest Competitors
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH