Major Rating Factors:
A current level of 14.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.5. Good liquidity 6.2, driven by a liquidity ratio of 44.1 percent and a “hot money” ratio of 3.2 percent.
Asset Mix:
Consumer loans (19%), securities (18%), home mtgs (12%), other (51%)
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
2340 S Reynolds Road
Toledo, OH 43614
Toledo, OH 43614
Phone Number
(419) 385-0101
NCUA Charter Number
Website
Largest Competitors
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH