Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.7. A current level of 4.1 percent of nonperforming loans to core capital combined with 3.6 percent from a year earlier contributes to the Excellent asset quality (8.3).
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 (5.7 on a scale of 0 to 10). Good liquidity 5.6, driven by a liquidity ratio of 24.7 percent and a “hot money” ratio of 3.9 percent.
Asset Mix:
Consumer loans (21%), home mtgs (13%), securities (8%), other (58%)
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
5500 Britton Parkway
Hilliard, OH 43026
Hilliard, OH 43026
Phone Number
(614) 487-6650
NCUA Charter Number
Website
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