Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (9.8). Fair liquidity 3.4, driven by a liquidity ratio of 10.3 percent and a “hot money” ratio of 4.6 percent.
Asset Mix:
Consumer loans (30%), home mtgs (15%), 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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