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).
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.4. A current level of 5.3 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Consumer loans (35%), other (65%)
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
28 Fearing Boulevard, North
Toledo, OH 43607
Toledo, OH 43607
Phone Number
(419) 382-4071
NCUA Charter Number
Website
Largest Competitors
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH