E
Theory Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Theory Federal Credit Union
Painesville, OH
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Rating E
Asset Quality Index 5.00
Capitalization Index 2.80
Liquidity Index 4.40
Profitability Index 6.30
Stability Index 2.30
Company Info Theory Federal Credit Union
Painesville, OH
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NCUA Charter Number 4126
Phone Number (440) 352-4732
Website theoryfcu.org
Asset Quality Theory Federal Credit Union
Painesville, OH
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1-Year Asset Growth 11.91%
5-Year Asset Growth 3.87%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 1.52%
Non-Performing Loans to Capital 16.18%
Non-Performing Loans to Loans 1.65%
Balance Sheet Theory Federal Credit Union
Painesville, OH
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Total Assets 37.01M
Total Deposits 34.94M
Capital and Reserves Theory Federal Credit Union
Painesville, OH
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Capital 1.91M
Leverage Ratio 8.56
Loan Loss Reserves to Loans 0.42%
Liquidity Theory Federal Credit Union
Painesville, OH
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Hot Money Ratio 3.10%
Liquidity Ratio 24.31%
Profitability Theory Federal Credit Union
Painesville, OH
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5-Year Return on Average Assets 0.37%
Net Income 156.00K
Net Interest Spread 5.04%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 77.30%
Return on Assets 0.88%
Return on Equity 17.63%