Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 9.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.9). Fair liquidity 4.4, driven by a liquidity ratio of 22.1 percent and a “hot money” ratio of 5.9 percent.
Asset Mix:
Consumer loans (30%), home mtgs (6%), securities (0%), other (64%)
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
3955 West Dublin Granville Road
Dublin, OH 43017
Dublin, OH 43017
Phone Number
(866) 254-4791
NCUA Charter Number
Largest Competitors
Beavercreek, OH
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Dublin, OH