BlastPoint's Credit Union Scorecard
TOLEDO URBAN
Charter #24578 · OH
TOLEDO URBAN has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.1% in tier
- + Fee Income Per Member: Top 5.2% in tier
- + Deposit Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 4.81% below tier average
- - Efficiency ratio 56.51% above tier (higher cost structure)
- - Delinquency rate 1.91% above tier average
- - Member decline: -17.9% YoY
- - Member Growth Rate: Bottom 2.1% in tier
- - First Mortgage Concentration (%): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,531
-17.9% YoY-8.5% QoQ
|
+915 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$16.8M
+2.3% YoY+2.1% QoQ
|
$-13.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$13.4M
+4.3% YoY+2.4% QoQ
|
$-2.4M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$14.9M
+12.6% YoY+5.7% QoQ
|
$-10.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
-4.2%
+29.2% YoY+36.3% QoQ
|
-4.8% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.2% in tier |
| NIM |
4.4%
+2.9% YoY-1.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
139.1%
+13.5% YoY+6.4% QoQ
|
+56.5% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
3.5%
-4.3% YoY-2.9% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 10.8% in tier |
| Loan To Share |
89.7%
-7.4% YoY-3.0% QoQ
|
+29.0% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 10.3% in tier |
| AMR |
$8,016
+32.2% YoY+13.8% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
16.3%
-41.8% YoY-4.0% QoQ
|
-8.1% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)