BlastPoint's Credit Union Scorecard

TOLEDO POLICE

Charter #3720 · OH

2556 CUs in <100M nationally 118 in OH

TOLEDO POLICE has 1 strength but faces 5 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.31% below tier average
- Efficiency ratio 2.87% above tier (higher cost structure)
- Delinquency rate 2.25% above tier average
- Net Interest Margin (NIM): Bottom 5.1% in tier
- Total Delinquency Rate (60+ days): Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,152 -0.1% YoY-0.2% QoQ	+536	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	69%
Assets	$55.0M +5.1% YoY+1.9% QoQ	+$24.8M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	80%
Loans	$20.7M -4.2% YoY+1.0% QoQ	+$4.9M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	71%
Deposits	$49.6M +5.6% YoY+2.2% QoQ	+$23.9M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +96.0% YoY-7.7% QoQ	-0.3%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	30%
NIM	2.2% +4.2% YoY+1.3% QoQ	-1.8%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	Bottom 5.0% in tier
Efficiency Ratio	85.4% -7.5% YoY+0.9% QoQ	+2.9%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	65%
Delinquency Rate	3.8% +2015.5% YoY+6359.3% QoQ	+2.2	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	Top 9.3% in tier
Loan To Share	41.7% -9.2% YoY-1.2% QoQ	-18.9%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	22%
AMR	$22,303 +2.6% YoY+2.0% QoQ	+$8K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	Top 13.7% in tier
CD Concentration	10.6% -2.5% YoY-0.3% QoQ	-13.8%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

350

Average Member Relationship (AMR)

engagement

Value: $22,303

Peer Median: -

#350 of 2556 Top 13.7% in <100M tier

470

Total Deposits

balance_sheet

Value: $49.61M

Peer Median: -

#470 of 2556 Top 18.3% in <100M tier

514

Total Assets

balance_sheet

Value: $54.99M

Peer Median: -

#514 of 2556 Top 20.1% in <100M tier

583

Deposit Growth Rate

growth

Value: 5.56%

Peer Median: -

#583 of 2556 Top 22.8% in <100M tier

Top Weaknesses (5 metrics)

2427

Net Interest Margin (NIM)

profitability

Value: 2.16%

Peer Median: -

#2427 of 2556 Bottom 5.1% in <100M tier

2320

Total Delinquency Rate (60+ days)

risk

Value: 3.80%

Peer Median: -

#2320 of 2556 Bottom 9.3% in <100M tier

2223

Net Worth Ratio

risk

Value: 9.50%

Peer Median: -

#2223 of 2556 Bottom 13.1% in <100M tier

2062

First Mortgage Concentration (%)

balance_sheet

Value: 31.30%

Peer Median: -

#2062 of 2556 Bottom 19.4% in <100M tier

2000

Loan-to-Share Ratio

balance_sheet

Value: 41.71%

Peer Median: -

#2000 of 2556 Bottom 21.8% in <100M tier