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Credit First National Association

Credit First National Association
Overview / Commentary
6275 Eastland Road
Brook Park, OH 44142

Credit First National Association is headquartered in Brook Park and is the 208th largest bank in the state of Ohio. It is also the 6,238th largest bank in the nation. It was established in 1993 and as of March of 2014, it had grown to 206 employees at 1 location. Credit First National Association has a B+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Credit First National Association has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Credit First National Association had $0 in non-current loans and owned real-estate with $37.27 million in equity and loan loss allowances on hand to cover it. This gives Credit First National Association a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Credit First National Association has increased its total deposits by $0, resulting in 0% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Credit First National Association has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Credit First National Association has $39.49 million in assets with $37.27 million in equity, resulting in a capitalization level of 94.37%, which is excellent.

Institution Statistics

FDIC Certificate #33855
Year Established1993
Primary RegulatorOCC
Assets and Liabilities
Assets$39.49 million
Equity Capital$37.27 million
Loan Loss Allowance$0
Real Estate Owned$0
Historic Data - March 2013
Assets$35.08 million
Equity Capital$32.31 million
Loan Loss Allowance$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.03%
Return on Assets30.6%
Return on Equity32.43%
Interest Income$3,000

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Credit First National Association Locations
Credit First National Association6275 Eastland RoadBrook Park, OH 44142