Atrium Credit Union, Inc.
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other 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 0.0. A current level of 4.3 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Consumer loans (25%), home mtgs (15%), securities (10%), other (49%)
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
6051 Market Avenue
Middletown, OH 45005
Middletown, OH 45005
Phone Number
(513) 974-5179
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Middletown, OH
Middletown, OH
Middletown, OH
Middletown, OH