Major Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 0.0. A current level of 13.5 percent of nonperforming loans to core capital combined with 13.5 percent from a year earlier contributes to the Good asset quality (5.7).
Other 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 (4.3 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 13.2 percent and a “hot money” ratio of 11.4 percent.
Asset Mix:
Consumer loans (30%), home mtgs (10%), securities (1%), other (60%)
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
7030 Spring Meadows West Drive
Holland, OH 43528
Holland, OH 43528
Phone Number
(419) 865-2200
NCUA Charter Number
Website
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