Major Rating Factors:
A current level of 30.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.6). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (3.8) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Excellent liquidity 7.1, driven by a liquidity ratio of 72.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (33%), other (67%)
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
700 South James H McGee Boulevard
Dayton, OH 45402
Dayton, OH 45402
Phone Number
(937) 223-1101
NCUA Charter Number
Largest Competitors
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH
Dayton, OH