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 (7.3 on a scale of 0 to 10). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 5.1, driven by a liquidity ratio of 44.8 percent and a “hot money” ratio of 12.6 percent. Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Fair (3.2) profitability.
Asset Mix:
Home mtgs (36%), consumer loans (6%), securities (3%), other (55%)
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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