Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Weak (2.1) profitability. A current level of 20.0 percent of nonperforming loans to core capital combined with 9.6 percent from a year earlier contributes to the Fair asset quality (3.6).
Other Rating Factors:
Good liquidity 5.2, driven by a liquidity ratio of 43.2 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (62%), other (38%)
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
2333 Nave Road, SE
Massillon, OH 44646
Massillon, OH 44646
Phone Number
(330) 833-8337
NCUA Charter Number
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Massillon, OH
Massillon, OH