Development
Major Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (8.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Good (5.4) profitability.
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 38.5 percent and a “hot money” ratio of 3.3 percent. Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 12.2.
Asset Mix:
Consumer loans (24%), home mtgs (5%), securities (2%), other (70%)
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
340 Griswold Road
Elyria, OH 44035
Elyria, OH 44035
Phone Number
(440) 324-3400
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Lima, OH
Elyria, OH