Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.5) profitability. A current level of 11.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 27.3 and a net worth ratio of 30.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (23%), home mtgs (16%), securities (16%), comm loans (2%), 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
3550 East 93rd Street
Cleveland, OH 44105
Cleveland, OH 44105
Phone Number
(216) 271-7111
NCUA Charter Number
Website
Largest Competitors
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH
Cleveland, OH