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). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 4.1 has resulted in Fair (4.8) profitability.
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 17.3 percent and a “hot money” ratio of 3.6 percent. A current level of 8.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1).
Asset Mix:
Consumer loans (40%), home mtgs (19%), comm loans (0%), other (41%)
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
3964 Fulton Drive, NW
Canton, OH 44718
Canton, OH 44718
Phone Number
(330) 526-2075
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Canton, OH
Canton, OH
Canton, OH