Youngstown City Schools Credit Union, Inc.
Major 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 (6.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 41.5 percent and a “hot money” ratio of 0.0 percent. A current level of 0.7 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (9.0).
Asset Mix:
Consumer loans (46%), securities (20%), other (34%)
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
20 West Wood Street
Youngstown, OH 44503
Youngstown, OH 44503
Phone Number
(330) 744-5846
NCUA Charter Number
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Youngstown, OH
Youngstown, OH