Major Rating Factors:
A current level of 1.8 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.4). Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 8.9.
Other 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 (5.0 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 18.0 percent and a “hot money” ratio of 4.0 percent.
Asset Mix:
Consumer loans (27%), securities (15%), home mtgs (10%), other (48%)
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
1455 West McPherson Highway
Clyde, OH 43410
Clyde, OH 43410
Phone Number
(419) 547-7781
NCUA Charter Number
Website
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