Theory Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 8.7.
Other Rating Factors:
A current level of 19.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3). Fair liquidity 4.4, driven by a liquidity ratio of 22.9 percent and a “hot money” ratio of 3.7 percent.
Asset Mix:
Consumer loans (31%), home mtgs (11%), other (58%)
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
1595 Mentor Avenue
Painesville, OH 44077
Painesville, OH 44077
Phone Number
(440) 352-4732
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Painesville, OH
Painesville, OH
Painesville, OH
Painesville, OH