Major Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.8.
Other Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 1.3 has resulted in Good (5.8) profitability. Fair liquidity 5.0, driven by a liquidity ratio of 31.9 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Consumer loans (48%), home mtgs (7%), securities (3%), other (41%)
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
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Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
971 Wooster Road, West
Barberton, OH 44203
Barberton, OH 44203
Phone Number
(330) 825-2455
NCUA Charter Number
Website
Largest Competitors
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Barberton, OH