BlastPoint's Credit Union Scorecard

TOLEDO POLICE

Charter #3720 · OH

<100M

2508 CUs in <100M nationally 116 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

+ ROA 0.41% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 2.59% above tier average
- Total Delinquency Rate (60+ days): Bottom 7.6% in tier
- Net Interest Margin (NIM): Bottom 8.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	3,147 -0.3% YoY-0.2% QoQ	+470	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	70%
Assets	$56.7M +3.8% YoY+3.1% QoQ	+$26.5M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	81%
Loans	$20.4M -4.1% YoY-1.5% QoQ	+$5.1M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	71%
Deposits	$51.2M +4.4% YoY+3.2% QoQ	+$25.4M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	83%

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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	0.6% +550.7% YoY+82.1% QoQ	+0.4%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	47%
NIM	2.5% +23.2% YoY+17.9% QoQ	-1.5%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	Bottom 8.4% in tier
Efficiency Ratio	78.2% -16.0% YoY-8.4% QoQ	-12.4%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	42%
Delinquency Rate	4.1% +3536.4% YoY+7.5% QoQ	+2.6	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	Bottom 7.6% in tier
Loan To Share	39.8% -8.2% YoY-4.6% QoQ	-18.7%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	22%
AMR	$22,751 +2.2% YoY+2.0% QoQ	+$8K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	Top 13.1% in tier
CD Concentration	10.0% -0.7% YoY-6.0% QoQ	-14.3%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

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 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

329

Average Member Relationship (AMR)

engagement

Value: $22,751

Peer Median: $13,926

#329 of 2508 Top 13.1% in <100M tier

429

Total Deposits

balance_sheet

Value: $51.22M

Peer Median: $18.77M

#429 of 2508 Top 17.1% in <100M tier

477

Total Assets

balance_sheet

Value: $56.69M

Peer Median: $21.86M

#477 of 2508 Top 19.0% in <100M tier

Top Weaknesses (5 metrics)

2319

Total Delinquency Rate (60+ days)

risk

Value: 4.09%

Peer Median: 0.65%

#2319 of 2508 Bottom 7.6% in <100M tier

2298

Net Interest Margin (NIM)

profitability

Value: 2.55%

Peer Median: 3.83%

#2298 of 2508 Bottom 8.4% in <100M tier

2192

Net Worth Ratio

risk

Value: 9.35%

Peer Median: 14.28%

#2192 of 2508 Bottom 12.6% in <100M tier

2038

First Mortgage Concentration (%)

balance_sheet

Value: 32.45%

Peer Median: 3.66%

#2038 of 2508 Bottom 18.8% in <100M tier

1956

Loan-to-Share Ratio

balance_sheet

Value: 39.79%

Peer Median: 58.72%

#1956 of 2508 Bottom 22.0% in <100M tier