Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Weak (2.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (37%), home mtgs (32%), other (31%)
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
200 North Saint Clair Street
Toledo, OH 43604
Toledo, OH 43604
Phone Number
(419) 841-9838
NCUA Charter Number
Website
Largest Competitors
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH