Major Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.9 has resulted in Fair (4.7) profitability. Fair liquidity 4.4, driven by a liquidity ratio of 32.4 percent and a “hot money” ratio of 16.4 percent.
Asset Mix:
Home mtgs (26%), consumer loans (25%), 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
403 Main Street
Belpre, OH 45714
Belpre, OH 45714
Phone Number
(888) 423-4260
NCUA Charter Number
Website
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