Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 11.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.8 has resulted in Good (6.2) profitability. A current level of 5.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0).
Asset Mix:
Consumer loans (46%), other (54%)
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
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
Cambridge, OH