Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. A current level of 7.3 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Excellent asset quality (7.3).
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 2.7 has resulted in Good (5.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), home mtgs (6%), other (63%)
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
One River Park Drive
Dayton, OH 45409
Dayton, OH 45409
Phone Number
(937) 225-6800
NCUA Charter Number
Website
Largest Competitors
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH