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 (3.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.0 has resulted in Weak (1.1) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0. A current level of 9.2 percent of nonperforming loans to core capital combined with 15.7 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Home mtgs (30%), consumer loans (18%), other (53%)
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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