Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.4 has resulted in Weak (3.0) profitability. Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 9.0.
Other Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (41%), home mtgs (21%), comm loans (10%), other (28%)
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