Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.1 has resulted in Fair (4.8) profitability. A current level of 17.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.0).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 10.8. 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).
Asset Mix:
Home mtgs (34%), consumer loans (14%), comm loans (9%), 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
333 Babbitt Road
Euclid, OH 44123
Euclid, OH 44123
Phone Number
(216) 920-2000
NCUA Charter Number
Website
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