BlastPoint's Credit Union Scorecard

TOLEDO METRO

Charter #9189 · OH

<100M

2556 CUs in <100M nationally 118 in OH

TOLEDO METRO faces 4 concerns requiring attention

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.25% below tier average
- Efficiency ratio 2.86% above tier (higher cost structure)
- Member decline: -3.1% YoY
- Indirect Auto Concentration (%): Bottom 2.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	4,876 -3.1% YoY-0.6% QoQ	+2.3K	2,615 -1.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	Top 14.7% in tier
Assets	$59.9M +6.0% YoY+1.7% QoQ	+$29.8M	$30.1M +2.1% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	83%
Loans	$29.4M +4.4% YoY+2.9% QoQ	+$13.7M	$15.8M -1.3% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	82%
Deposits	$54.0M +5.8% YoY+1.5% QoQ	+$28.3M	$25.7M +1.4% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	84%

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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% -19.7% YoY-18.6% QoQ	-0.3%	0.6% +10.8% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	34%
NIM	3.4% +14.2% YoY+1.1% QoQ	-0.6%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	85.4% -4.0% YoY-1.1% QoQ	+2.9%	82.6% -2.3% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	65%
Delinquency Rate	0.6% -14.4% YoY-1.9% QoQ	-0.9	1.6% -3.1% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	46%
Loan To Share	54.5% -1.3% YoY+1.3% QoQ	-6.1%	60.6% -3.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	40%
AMR	$17,115 +8.6% YoY+2.6% QoQ	+$2K	$14,783 -1.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	67%
CD Concentration	19.6% -7.4% YoY+3.4% QoQ	-4.8%	24.4%	19.4%	19.8%	50%
Indirect Auto %	40.5% +6.0% YoY+3.3% QoQ	+26.7%	13.8%	11.2%	7.8%	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 2556 peers in tier

Top Strengths (9 metrics)

318

AMR Growth Rate

growth

Value: 8.60%

Peer Median: -

#318 of 2556 Top 12.4% in <100M tier

374

Total Members

engagement

Value: 4,876

Peer Median: -

#374 of 2556 Top 14.6% in <100M tier

410

Total Deposits

balance_sheet

Value: $54.02M

Peer Median: -

#410 of 2556 Top 16.0% in <100M tier

440

Total Assets

balance_sheet

Value: $59.91M

Peer Median: -

#440 of 2556 Top 17.2% in <100M tier

464

Total Loans

balance_sheet

Value: $29.44M

Peer Median: -

#464 of 2556 Top 18.1% in <100M tier

548

Asset Growth Rate

growth

Value: 6.02%

Peer Median: -

#548 of 2556 Top 21.4% in <100M tier

549

Deposit Growth Rate

growth

Value: 5.78%

Peer Median: -

#549 of 2556 Top 21.4% in <100M tier

571

Fee Income Per Member

profitability

Value: $126.14

Peer Median: -

#571 of 2556 Top 22.3% in <100M tier

606

Loan Growth Rate

growth

Value: 4.38%

Peer Median: -

#606 of 2556 Top 23.7% in <100M tier

Top Weaknesses (2 metrics)

2489

Indirect Auto Concentration (%)

balance_sheet

Value: 40.49%

Peer Median: -

#2489 of 2556 Bottom 2.7% in <100M tier

2274

Net Worth Ratio

risk

Value: 9.21%

Peer Median: -

#2274 of 2556 Bottom 11.1% in <100M tier