State credit union · Toledo, Ohio · NCUA charter #68603
Nueva Esperanza Community
Health score 45/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $4.4M
- Total assets
- 860
- Members
- 47.8%
- Net-worth ratio
Nueva Esperanza Community scores 45/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.4M; members 860; net-worth ratio 47.84%; health rank #4,311 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,311 of 4,374 health · 2025Q4Nueva Esperanza Community · health 45/100 · $4.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Nueva Esperanza Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Nueva Esperanza Community sits in 45-49 with 39 others.
45 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Nueva Esperanza Community: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +71.27 pp (134.87% vs 63.60%).
- Widest shortfall vs peers is Delinquency Rate: +3.33 pp (5.14% vs 1.81%).
Nueva Esperanza Community in Ohio
- In Ohio, health place is #192 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #182 of 196.
- Membership ranks #170 of 196 among Ohio CUs with a reported count (860 members).
- One place up in Ohio, Heekin Can Empl (#191) ties at 45/100; one place down, Jeep Country (#193) scores 44/100, 1 point lower.
Nueva Esperanza Community: 2025Q4 → 2026Q1
Nueva Esperanza Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $4.4M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted +0.39 pp (47.45% → 47.84%).
At 47.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 45/100 score is built
Nueva Esperanza Community gives up 55 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 0.0 pts
Nueva Esperanza Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 47.84% | +28.78 pp |
| Delinquency Rate | 5.14% | +3.33 pp |
| Return on Assets | -0.57% | -1.03 pp |
| Member Growth | 37.38% | - |
| Loan-to-Share Ratio | 134.87% | +71.27 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Nueva Esperanza Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.4M | - |
| 2025Q4 | $4.4M | 860 |
| 2024Q4 | $4.4M | 626 |
| 2023Q4 | $4.5M | 577 |
Credit Union Details
- Charter Number
- 68603
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Toledo
- Data Quarter
- 2025Q4
Branch Locations (2)
Nueva Esperanza Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Toledo (Main Office) | Toledo, OH |
| Toledo | Sylvania, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Nueva Esperanza Community
Similar health score
Using this data
- Nueva Esperanza Community ranks #4,311 of 4,374 nationally on financial health and #192 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NOTEWORTHY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NOTEWORTHY
Frequently Asked Questions
Is Nueva Esperanza Community financially healthy?
Nueva Esperanza Community has a financial health score of 45/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,311 of 4,374 nationally on health and #192 of 196 in Ohio. Its net worth ratio is 47.84% and its delinquency rate 5.14%.
How does Nueva Esperanza Community compare to other credit unions?
Nueva Esperanza Community scores 45/100, higher than 1% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (134.87% vs 63.60%). Its widest shortfall is delinquency rate (5.14% vs 1.81%).
How can I join Nueva Esperanza Community?
Membership eligibility for Nueva Esperanza Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Nueva Esperanza Community directly for current membership requirements and application steps.
Is my money safe at Nueva Esperanza Community?
Nueva Esperanza Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Nueva Esperanza Community's net worth ratio of 47.84% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.