Major Rating Factors:
Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.7. A current level of 5.2 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Excellent (7.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Securities (28%), consumer loans (27%), home mtgs (11%), other (33%)
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
2301 Payne Avenue
Cleveland, OH 44114
Cleveland, OH 44114
Phone Number
(216) 861-3535
NCUA Charter Number
Website
Largest Competitors
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH