BlastPoint's Credit Union Scorecard

TOLEDO POLICE

Charter #3720 · OH

2596 CUs in <100M nationally 121 in OH

TOLEDO POLICE has 1 strength but faces 3 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

+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.35% below tier average
- Efficiency ratio 3.31% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 4.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,157 -0.0% YoY0% QoQ	+531	2,625 -2.2% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	69%
Assets	$54.0M +2.9% YoY-2.7% QoQ	+$24.1M	$29.9M +1.1% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	80%
Loans	$20.5M -4.9% YoY-3.0% QoQ	+$4.7M	$15.8M -2.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	71%
Deposits	$48.5M +3.3% YoY-3.0% QoQ	+$23.1M	$25.5M +0.4% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	81%

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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	0.3% +373.1% YoY-18.6% QoQ	-0.4%	0.7% -731.4% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	29%
NIM	2.1% +8.9% YoY+1.2% QoQ	-1.8%	3.9% +3.8% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	Bottom 4.3% in tier
Efficiency Ratio	84.7% -11.8% YoY+1.8% QoQ	+3.3%	81.4% -2.4% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	66%
Delinquency Rate	0.1% -43.2% YoY+58.5% QoQ	-1.4	1.5% -2.0% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	18%
Loan To Share	42.2% -8.0% YoY-0.0% QoQ	-19.0%	61.2% -3.0% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	22%
AMR	$21,863 +0.8% YoY-3.0% QoQ	+$7K	$14,627 -2.7% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	Top 14.6% in tier
CD Concentration	10.6% +1.1% YoY+6.0% QoQ	-13.8%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

378

Average Member Relationship (AMR)

engagement

Value: $21,863

Peer Avg: -

#378 of 2596 Top 14.5% in <100M tier

463

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Avg: -

#463 of 2596 Top 17.8% in <100M tier

482

Total Deposits

balance_sheet

Value: $48.54M

Peer Avg: -

#482 of 2596 Top 18.5% in <100M tier

529

Total Assets

balance_sheet

Value: $53.96M

Peer Avg: -

#529 of 2596 Top 20.3% in <100M tier

591

Fee Income Per Member

profitability

Value: $123.41

Peer Avg: -

#591 of 2596 Top 22.7% in <100M tier

Top Weaknesses (4 metrics)

2484

Net Interest Margin (NIM)

profitability

Value: 2.13%

Peer Avg: -

#2484 of 2596 Bottom 4.4% in <100M tier

2234

Net Worth Ratio

risk

Value: 9.62%

Peer Avg: -

#2234 of 2596 Bottom 14.0% in <100M tier

2079

First Mortgage Concentration (%)

balance_sheet

Value: 30.33%

Peer Avg: -

#2079 of 2596 Bottom 20.0% in <100M tier

2030

Loan-to-Share Ratio

balance_sheet

Value: 42.20%

Peer Avg: -

#2030 of 2596 Bottom 21.8% in <100M tier