Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.1) profitability. A current level of 7.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 27.9 and a net worth ratio of 30.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (25%), home mtgs (17%), securities (16%), comm loans (2%), other (40%)
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