BlastPoint's Credit Union Scorecard
TOLEDO URBAN
Charter #24578 · OH
TOLEDO URBAN has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + AMR Growth Rate: Top 1.0% in tier
- + Fee Income Per Member: Top 1.1% in tier
- + Loan-to-Share Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 15.14% above tier (higher cost structure)
- - Delinquency rate 0.77% above tier average
- - Member decline: -20.1% YoY
- - Member Growth Rate: Bottom 2.0% in tier
- - First Mortgage Concentration (%): Bottom 6.4% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,456
-20.1% YoY-2.1% QoQ
|
+779 |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$17.0M
-1.1% YoY+1.0% QoQ
|
$-13.2M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$13.4M
+6.8% YoY+0.3% QoQ
|
$-1.9M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$15.4M
+8.3% YoY+3.0% QoQ
|
$-10.4M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
-0.7%
-193.0% YoY-83.4% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.0% in tier |
| NIM |
4.2%
-1.5% YoY-3.0% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
105.8%
+17.3% YoY-23.9% QoQ
|
+15.1% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
2.3%
-27.4% YoY-34.5% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
87.3%
-1.4% YoY-2.6% QoQ
|
+28.8% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 10.0% in tier |
| AMR |
$8,331
+34.6% YoY+3.9% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
16.0%
-39.6% YoY-1.8% QoQ
|
-8.3% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 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)