Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 8.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). Fair liquidity 3.7, driven by a liquidity ratio of 10.3 percent and a “hot money” ratio of 5.5 percent.
Asset Mix:
Consumer loans (25%), home mtgs (15%), comm loans (4%), other (56%)
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
8811 Holden Boulevard
Fairfield, OH 45014
Fairfield, OH 45014
Phone Number
(513) 942-4422
NCUA Charter Number
Website
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