Major Rating Factors:
A current level of 5.2 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 10.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.1 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (14%), other (51%)
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