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 (3.7 on a scale of 0 to 10). Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 7.3.
Other Rating Factors:
A current level of 7.4 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (8.0). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Good (6.4) profitability.
Asset Mix:
Consumer loans (28%), home mtgs (12%), 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
800 Falls Creek Drive
Vandalia, OH 45377
Vandalia, OH 45377
Phone Number
(937) 898-7800
NCUA Charter Number
Website
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