BlastPoint's Credit Union Scorecard

TOLEDO METRO

Charter #9189 · OH

<100M

2508 CUs in <100M nationally 116 in OH

TOLEDO METRO has 3 strengths 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 0.28% above tier average
+ Asset Growth Rate: Top 6.9% in tier
+ Deposit Growth Rate: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.2% YoY
- Indirect Auto Concentration (%): Bottom 2.5% in tier
- Net Worth Ratio: Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	4,864 -2.2% YoY-0.2% QoQ	+2.2K	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 14.2% in tier
Assets	$62.4M +10.3% YoY+4.1% QoQ	+$32.2M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	84%
Loans	$28.4M +0.2% YoY-3.4% QoQ	+$13.2M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	82%
Deposits	$56.5M +10.9% YoY+4.6% QoQ	+$30.7M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	Top 14.3% in tier

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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	0.4% +313.7% YoY+14.4% QoQ	+0.3%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	41%
NIM	3.5% +14.0% YoY+4.3% QoQ	-0.5%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	38%
Efficiency Ratio	87.0% -9.9% YoY+1.8% QoQ	-3.7%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.9% +0.8% YoY+45.9% QoQ	-0.6	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	61%
Loan To Share	50.3% -9.6% YoY-7.6% QoQ	-8.2%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	37%
AMR	$17,458 +9.4% YoY+2.0% QoQ	+$3K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	67%
CD Concentration	19.4% -2.4% YoY-1.4% QoQ	-4.9%	24.3%	19.4%	19.8%	50%
Indirect Auto %	39.9% +6.3% YoY-1.4% QoQ	+26.1%	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 (9 metrics)

173

Asset Growth Rate

growth

Value: 10.30%

Peer Median: 1.30%

#173 of 2508 Top 6.9% in <100M tier

181

Deposit Growth Rate

growth

Value: 10.87%

Peer Median: 0.66%

#181 of 2508 Top 7.2% in <100M tier

269

AMR Growth Rate

growth

Value: 9.43%

Peer Median: 1.27%

#269 of 2508 Top 10.7% in <100M tier

357

Total Members

engagement

Value: 4,864

Peer Median: 1,918

#357 of 2508 Top 14.2% in <100M tier

359

Total Deposits

balance_sheet

Value: $56.48M

Peer Median: $18.77M

#359 of 2508 Top 14.3% in <100M tier

402

Total Assets

balance_sheet

Value: $62.37M

Peer Median: $21.86M

#402 of 2508 Top 16.0% in <100M tier

419

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#419 of 2508 Top 16.7% in <100M tier

462

Total Loans

balance_sheet

Value: $28.43M

Peer Median: $9.48M

#462 of 2508 Top 18.4% in <100M tier

527

Fee Income Per Member

profitability

Value: $120.07

Peer Median: $60.42

#527 of 2508 Top 21.0% in <100M tier

Top Weaknesses (2 metrics)

2447

Indirect Auto Concentration (%)

balance_sheet

Value: 39.91%

Peer Median: 0.00%

#2447 of 2508 Bottom 2.5% in <100M tier

2263

Net Worth Ratio

risk

Value: 8.95%

Peer Median: 14.28%

#2263 of 2508 Bottom 9.8% in <100M tier