TOLEDO URBAN
Charter #24578 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
TOLEDO URBAN has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.8% in tier
- + Fee Income Per Member: Top 5.5% in tier
- + Loan-to-Share Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 3.75% below tier average
- - Efficiency ratio 49.30% above tier (higher cost structure)
- - Delinquency rate 2.06% above tier average
- - Member decline: -10.3% YoY
- - Member Growth Rate: Bottom 5.6% in tier
- - First Mortgage Concentration (%): Bottom 7.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,858
-10.3% YoY-8.3% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 22.7% in tier |
| Assets |
$16.5M
-1.6% YoY-4.0% QoQ
|
$-13.4M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
44th in tier |
| Loans |
$13.1M
+3.1% YoY+0.3% QoQ
|
$-2.7M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
58th in tier |
| Deposits |
$14.1M
+5.3% YoY-2.5% QoQ
|
$-11.3M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
44th in tier |
| ROA |
-3.1%
-5.8% YoY+56.5% QoQ
|
-3.8% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.0% in tier |
| NIM |
4.4%
+3.5% YoY+4.0% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
70th in tier |
| Efficiency Ratio |
130.7%
-4.9% YoY+11.9% QoQ
|
+49.3% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Top 3.3% in tier |
| Delinquency Rate |
3.6%
+17.9% YoY-23.3% QoQ
|
+2.1 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 9.7% in tier |
| Loan To Share |
92.5%
-2.1% YoY+2.9% QoQ
|
+31.2% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 9.0% in tier |
| AMR |
$7,047
+16.1% YoY+7.8% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 15.1% in tier |
| CD Concentration |
17.0%
-37.9% YoY-35.6% QoQ
|
-7.5% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
100
AMR Growth Rate
growth
Value:
16.12%
Peer Avg: 4.67%
#100 of 2596
Top 3.8% in <100M tier
143
Fee Income Per Member
profitability
Value:
$214.43
Peer Avg: $182.96
#143 of 2596
Top 5.5% in <100M tier
230
Loan-to-Share Ratio
balance_sheet
Value:
92.46%
Peer Avg: 61.23%
#230 of 2596
Top 8.8% in <100M tier
586
Deposit Growth Rate
growth
Value:
5.30%
Peer Avg: 16.80%
#586 of 2596
Top 22.5% in <100M tier
590
Total Members
engagement
Value:
3,858
Peer Avg: 2,626
#590 of 2596
Top 22.7% in <100M tier
Top Weaknesses (7 metrics)
2544
Return on Assets (ROA)
profitability
Value:
-3.07%
Peer Avg: 0.68%
#2544 of 2596
Bottom 2.0% in <100M tier
2512
Efficiency Ratio
profitability
Value:
130.69%
Peer Avg: 81.39%
#2512 of 2596
Bottom 3.3% in <100M tier
2452
Member Growth Rate
growth
Value:
-10.26%
Peer Avg: 14.92%
#2452 of 2596
Bottom 5.6% in <100M tier
2408
First Mortgage Concentration (%)
balance_sheet
Value:
51.26%
Peer Avg: 14.49%
#2408 of 2596
Bottom 7.3% in <100M tier
2345
Total Delinquency Rate (60+ days)
risk
Value:
3.57%
Peer Avg: 1.51%
#2345 of 2596
Bottom 9.7% in <100M tier
2205
Average Member Relationship (AMR)
engagement
Value:
$7,047
Peer Avg: $14,627
#2205 of 2596
Bottom 15.1% in <100M tier
2050
Net Charge-Off Rate
risk
Value:
0.72%
Peer Avg: 0.57%
#2050 of 2596
Bottom 21.1% in <100M tier