Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.7 has resulted in Excellent (7.1) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1. Good liquidity 5.1, driven by a liquidity ratio of 45.8 percent and a “hot money” ratio of 13.5 percent.
Asset Mix:
Home mtgs (34%), consumer loans (6%), comm loans (5%), securities (3%), other (53%)
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
14499 North Cheshire Street
Burton, OH 44021
Burton, OH 44021
Phone Number
(440) 834-4327
NCUA Charter Number
Website
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