Development
L C E Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 9.7. 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:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Excellent (7.6) profitability. A current level of 11.9 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Consumer loans (38%), home mtgs (16%), securities (5%), other (41%)
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
77 North Saint Clair Street
Painesville, OH 44077
Painesville, OH 44077
Phone Number
(440) 357-2560
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Painesville, OH
Painesville, OH
Painesville, OH
Painesville, OH