Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (9.3). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 11.6.
Asset Mix:
Home mtgs (28%), consumer loans (23%), other (49%)
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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