This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Barberton, OH
Health score
83.2
Total assets
$44.9M
Credit union
Toledo, OH
Health score
82.4
Total assets
$45.5M
Answer first
NEW HORIZON leads on financial health and lending quality; TOLEDO FIRE FIGHTERS leads on capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
NEW HORIZON
Higher TFS health score
Capitalization
TOLEDO FIRE FIGHTERS
Higher comparable capital ratio
Profitability
TOLEDO FIRE FIGHTERS
Higher return on assets
Lending quality
NEW HORIZON
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | NEW HORIZON | TOLEDO FIRE FIGHTERS |
|---|---|---|
| TFS health score | 83.2/100Leads | 82.4/100 |
| Total assets | $44.9M | $45.5M |
| Total deposits / shares | $38.6M | $37.4M |
| Net worth ratio | 13.24% | 17.84%Leads |
| Return on assets | 1.00% | 1.75%Leads |
| Return on equity | 7.53% | 9.81% |
NEW HORIZON
6 branches
TOLEDO FIRE FIGHTERS
3 branches
Both institutions report branches in 1 state: OH.
NEW HORIZON
Unavailable
TOLEDO FIRE FIGHTERS
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
NEW HORIZON
0 in TFS registry
TOLEDO FIRE FIGHTERS
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | NEW HORIZON score | NEW HORIZON ROA | TOLEDO FIRE FIGHTERS score | TOLEDO FIRE FIGHTERS ROA |
|---|---|---|---|---|
| 2026-Q1 | 91.5/100 | 1.45% | 75.8/100 | 1.30% |
| 2026-Q2 | 83.2/100 | 1.00% | 82.4/100 | 1.75% |
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 60+ day delinquency | 0.17%Leads | 0.34% |
| Net charge-offs | 0.67% | 0.58%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 79.74% | 50.56% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 6 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |