Major Rating Factors:
A current level of 18.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 10.8. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.1 has resulted in Good (5.1) profitability.
Asset Mix:
Home mtgs (31%), consumer loans (17%), comm loans (9%), 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
333 Babbitt Road
Euclid, OH 44123
Euclid, OH 44123
Phone Number
(216) 920-2000
NCUA Charter Number
Website
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