Ashland Community vs Toledo Fire Fighters
Comparing a Credit Union in Ashland, OH with a Credit Union in Toledo, OH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Ashland Community ↗ Credit Union · Ashland, OH · Est. 1951 | Toledo Fire Fighters ↗ Credit Union · Toledo, OH · Est. 1940 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Ashland, OH | Toledo, OH |
| Total assets | $22.8M | $45.6M |
| Net worth ratio | 12.2% | 17.3% |
| Return on assets | 1.8% | 1.3% |
| Shares & deposits | — | — |
| Members | 2,706 | 2,764 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 195 | #2 of 195 |
| Established | 1951 | 1940 |
Ashland Community
- Assets: $22.8M
- Members: 2,706
- Capital ratio: 12.2%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #5 of 195
Toledo Fire Fighters
- Assets: $45.6M
- Members: 2,764
- Capital ratio: 17.3%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #2 of 195
Are both institutions federally insured?
Yes. Ashland Community is NCUA-insured and Toledo Fire Fighters is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Ashland Community or Toledo Fire Fighters?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Ashland Community scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Ashland Community safe?
Yes — Ashland Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Toledo Fire Fighters safe?
Yes — Toledo Fire Fighters is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Ashland Community vs Toledo Fire Fighters?
Ashland Community has a net worth ratio of 12.2%, placing it in the bottom 34% of <$100M peers. Toledo Fire Fighters's ratio is 17.3%, placing it in the top 32% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Ashland Community have compared to Toledo Fire Fighters?
The CFPB database shows 0 complaints against Ashland Community, and 0 complaints against Toledo Fire Fighters. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Ashland Community with other Credit Unions in Ohio
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
