BlastPoint's Credit Union Scorecard
UNIVERSITY OF TOLEDO
Charter #16174 · OH
UNIVERSITY OF TOLEDO has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Total Deposits: Top 0.2% in tier
- + Total Assets: Top 0.3% in tier
- + AMR Growth Rate: Top 8.8% in tier
- + Average Member Relationship (AMR): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.63% above tier average
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,169
-2.1% YoY-0.5% QoQ
|
+2.5K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 13.1% in tier |
| Assets |
$99.0M
+8.9% YoY-0.1% QoQ
|
+$69.2M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 0.3% in tier |
| Loans |
$38.7M
+6.4% YoY+0.4% QoQ
|
+$22.9M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Top 11.4% in tier |
| Deposits |
$88.0M
+9.0% YoY-0.6% QoQ
|
+$62.6M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Top 0.2% in tier |
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| ROA |
1.0%
+339.8% YoY+58.7% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.2%
+25.7% YoY+2.4% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
72.7%
-19.5% YoY-10.5% QoQ
|
-8.7% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
2.1%
+237.3% YoY+5.8% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
44.0%
-2.3% YoY+1.0% QoQ
|
-17.3% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$24,523
+10.5% YoY+0.2% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Top 8.9% in tier |
| CD Concentration |
16.8%
+23.4% YoY+3.0% QoQ
|
-7.6% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.1%
-1.7% YoY+10.4% QoQ
|
-5.9% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)