Major Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.8) profitability.
Other 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. Fair liquidity 3.8, driven by a liquidity ratio of 10.2 percent and a “hot money” ratio of 5.3 percent.
Asset Mix:
Consumer loans (26%), home mtgs (14%), comm loans (4%), other (55%)
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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