C.E.S. Credit Union, Inc.
Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 11.0.
Other 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 (7.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.3 has resulted in Excellent (7.7) profitability.
Asset Mix:
Consumer loans (30%), home mtgs (21%), securities (7%), other (42%)
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
1215 Yauger Road
Mount Vernon, OH 43050
Mount Vernon, OH 43050
Phone Number
(740) 397-1136
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
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