Major Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (7.8). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 10.7.
Other Rating Factors:
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). Fair liquidity 3.7, driven by a liquidity ratio of 18.2 percent and a “hot money” ratio of 8.7 percent.
Asset Mix:
Consumer loans (27%), home mtgs (16%), other (57%)
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
5665 North Hamilton Road
Columbus, OH 43230
Columbus, OH 43230
Phone Number
(614) 416-7588
NCUA Charter Number
Website
Largest Competitors
Columbus, OH
Columbus, OH
Columbus, OH
Columbus, OH
Columbus, OH