Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability.
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. A current level of 2.3 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (8.4).
Asset Mix:
Consumer loans (23%), securities (18%), home mtgs (7%), 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
4140 West Laskey Road
Toledo, OH 43623
Toledo, OH 43623
Phone Number
(419) 407-4140
NCUA Charter Number
Website
Largest Competitors
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH