Major Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 8.1.
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 (4.7 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 19.7 percent and a “hot money” ratio of 10.9 percent.
Asset Mix:
Consumer loans (43%), home mtgs (16%), securities (5%), other (37%)
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
3920 Erie Street, South
Massillon, OH 44646
Massillon, OH 44646
Phone Number
(330) 832-1371
NCUA Charter Number
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Massillon, OH
Massillon, OH