Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10). Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.4 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (28%), other (43%)
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
150 East Mound Street
Columbus, OH 43215
Columbus, OH 43215
Phone Number
(614) 224-8890
NCUA Charter Number
Website
Largest Competitors
Columbus, OH
Columbus, OH
Columbus, OH
Columbus, OH
Columbus, OH