Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 0.0. Fair liquidity 4.5, driven by a liquidity ratio of 28.0 percent and a “hot money” ratio of 6.2 percent.
Asset Mix:
Consumer loans (34%), home mtgs (16%), other (50%)
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
700 Stumbo Road
Mansfield, OH 44906
Mansfield, OH 44906
Phone Number
(419) 529-5603
NCUA Charter Number
Website
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