Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 11.6. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Good (6.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (39%), consumer loans (22%), home mtgs (6%), other (32%)
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
5138 North Summit Street
Toledo, OH 43611
Toledo, OH 43611
Phone Number
(419) 729-9650
NCUA Charter Number
Website
Largest Competitors
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH
Toledo, OH