Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Weak (2.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.4, driven by a liquidity ratio of 9.5 percent and a “hot money” ratio of 13.9 percent. A current level of 15.7 percent of nonperforming loans to core capital combined with 18.2 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Home mtgs (30%), consumer loans (19%), 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
333 Babbitt Road
Euclid, OH 44123
Euclid, OH 44123
Phone Number
(216) 920-2000
NCUA Charter Number
Website
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