BlastPoint's Credit Union Scorecard

UNIVERSITY OF TOLEDO

Charter #16174 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

UNIVERSITY OF TOLEDO has 2 strengths 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

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.06% above tier average

Key Concerns

Areas that may need attention

- Total Assets: Bottom 0.7% in tier
- Total Deposits: Bottom 2.3% in tier
- Total Loans: Bottom 2.7% in tier
- Total Members: Bottom 4.4% in tier
- Loan-to-Share Ratio: Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	5,173 -0.3% YoY+0.7% QoQ	-10.0K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Bottom 4.3% in tier
Assets	$100.6M +3.8% YoY+1.5% QoQ	$-131.1M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	Bottom 0.6% in tier
Loans	$40.2M +8.0% YoY+4.0% QoQ	$-103.9M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Bottom 2.6% in tier
Deposits	$89.2M +3.2% YoY+1.3% QoQ	$-112.0M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Bottom 2.2% in tier

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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	0.8% +10.0% YoY-22.2% QoQ	+0.1%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	56%
NIM	3.2% +3.2% YoY-1.2% QoQ	-0.4%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	25%
Efficiency Ratio	73.9% -6.8% YoY+2.8% QoQ	-4.1%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.3% -42.6% YoY-3.6% QoQ	-0.4	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	25%
Loan To Share	45.1% +4.7% YoY+2.6% QoQ	-25.3%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	Bottom 7.9% in tier
AMR	$25,018 +5.0% YoY+1.4% QoQ	+$100	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	62%
CD Concentration	17.7% +18.1% YoY+1.0% QoQ	-6.6%	24.3%	19.4%	19.8%	50%
Indirect Auto %	8.0% +9.3% YoY+1.8% QoQ	-5.8%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#486 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.02%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (2 metrics)

205

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.35%

#205 of 1070 Top 19.1% in 100M-500M tier

257

Loan Growth Rate

growth

Value: 8.01%

Peer Median: 2.93%

#257 of 1070 Top 23.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1064

Total Assets

balance_sheet

Value: $100.64M

Peer Median: $196.57M

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1046

Total Deposits

balance_sheet

Value: $89.17M

Peer Median: $171.29M

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1042

Total Loans

balance_sheet

Value: $40.24M

Peer Median: $121.41M

#1042 of 1070 Bottom 2.7% in 100M-500M tier

1024

Total Members

engagement

Value: 5,173

Peer Median: 13,200

#1024 of 1070 Bottom 4.4% in 100M-500M tier

986

Loan-to-Share Ratio

balance_sheet

Value: 45.13%

Peer Median: 71.88%

#986 of 1070 Bottom 7.9% in 100M-500M tier

891

Fee Income Per Member

profitability

Value: $96.46

Peer Median: $154.95

#891 of 1070 Bottom 16.8% in 100M-500M tier