Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Fair (4.6) profitability.
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 51.4 percent and a “hot money” ratio of 29.1 percent. A current level of 10.4 percent of nonperforming loans to core capital combined with 4.2 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Consumer loans (67%), securities (3%), other (29%)
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
1766 Harrington Memorial Road
Mansfield, OH 44903
Mansfield, OH 44903
Phone Number
(419) 525-3800
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Mansfield, OH
Mansfield, OH