Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.6. A current level of 12.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Good (5.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (29%), home mtgs (16%), comm loans (9%), securities (3%), other (44%)
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
510 East Mound Street
Columbus, OH 43215
Columbus, OH 43215
Phone Number
(614) 221-9376
NCUA Charter Number
Website
Largest Competitors
Columbus, OH
Columbus, OH
Columbus, OH
Columbus, OH
Columbus, OH