Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (6.4) profitability.
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 (6.4 on a scale of 0 to 10). A current level of 18.7 percent of nonperforming loans to core capital combined with 18.4 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Home mtgs (36%), consumer loans (7%), securities (2%), 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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