Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Good (6.8) profitability.
Other Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8). Fair liquidity 4.9, driven by a liquidity ratio of 33.6 percent and a “hot money” ratio of 7.0 percent.
Asset Mix:
Securities (32%), consumer loans (15%), comm loans (10%), home mtgs (8%), other (35%)
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
5248 Hill Avenue
Toledo, OH 43615
Toledo, OH 43615
Phone Number
(419) 534-3770
NCUA Charter Number
Website
Largest Competitors
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH