Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.4 and a net worth ratio of 0.0. A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Good liquidity 5.6, driven by a liquidity ratio of 52.1 percent and a “hot money” ratio of 28.7 percent.
Asset Mix:
Consumer loans (36%), home mtgs (9%), other (55%)
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
5758 State Route Seven North
Cheshire, OH 45620
Cheshire, OH 45620
Phone Number
(740) 645-1498
NCUA Charter Number
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