Major Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 10.2.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Weak liquidity 2.9, driven by a liquidity ratio of 11.5 percent and a “hot money” ratio of 15.3 percent.
Asset Mix:
Consumer loans (28%), home mtgs (24%), comm loans (16%), other (32%)
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
8500 Westport Drive
Mentor, OH 44060
Mentor, OH 44060
Phone Number
(440) 266-2200
NCUA Charter Number
Website
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