Major Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.3 has resulted in Excellent (8.6) profitability. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (13%), other (53%)
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
5255 Regency Drive
Parma, OH 44129
Parma, OH 44129
Phone Number
(440) 843-8300
NCUA Charter Number
Website
Largest Competitors
Parma, OH
Parma, OH
Parma, OH
Parma, OH