Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 12.7. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.7 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (57%), other (43%)
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
115 Market Street
Cambridge, OH 43725
Cambridge, OH 43725
Phone Number
(740) 432-0430
NCUA Charter Number
Largest Competitors
Beavercreek, OH
Cincinnati, OH
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Cambridge, OH