Major Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 7.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.0 has resulted in Good (5.7) profitability. A current level of 13.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Asset Mix:
Comm loans (31%), consumer loans (30%), home mtgs (12%), other (27%)
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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