Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 11.9. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (9.0).
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 (6.3 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 17.1 percent and a “hot money” ratio of 0.8 percent.
Asset Mix:
Consumer loans (47%), home mtgs (12%), securities (9%), other (32%)
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
445 South Main Street
Akron, OH 44311
Akron, OH 44311
Phone Number
(330) 374-2990
NCUA Charter Number
Website
Largest Competitors
Akron, OH
Akron, OH
Akron, OH
Akron, OH
Akron, OH