Major Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (9.2). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 12.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Weak liquidity 2.3, driven by a liquidity ratio of 7.7 percent and a “hot money” ratio of 10.5 percent.
Asset Mix:
Home mtgs (36%), consumer loans (17%), 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
944 East State Street
Athens, OH 45701
Athens, OH 45701
Phone Number
(740) 597-2800
NCUA Charter Number
Website
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