Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (2.4) profitability.
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 9.7.
Asset Mix:
Consumer loans (26%), comm loans (8%), home mtgs (6%), other (60%)
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
(614) 737-6030
NCUA Charter Number
Website
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