Major Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 2.1 percent from a year earlier contributes to the Excellent asset quality (8.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0. Fair liquidity 3.3, driven by a liquidity ratio of 24.7 percent and a “hot money” ratio of 10.2 percent.
Asset Mix:
Home mtgs (33%), consumer loans (29%), securities (3%), other (35%)
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
6165 Emerald Parkway
Dublin, OH 43016
Dublin, OH 43016
Phone Number
(614) 707-4000
NCUA Charter Number
Website
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