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
- CHARTER 45/100
- NCUSIF 47.8%
- CAMELS 5.14%
- HEALTH -0.57%
- NW $4.4M
- DELQ 860
- ROA #4,311/4,374
- ASSETS n/a
- MEM 68603
Call Report peers
Nueva Esperanza Community carries $4.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68603 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Nueva Esperanza Community: 2025Q4 → 2026Q1
Nueva Esperanza Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $4.4M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted +0.39 pp (47.45% → 47.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 45.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Nueva Esperanza Community, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (45/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Nueva Esperanza Community financially healthy?
A 47.84% net worth ratio and a 5.14% delinquency rate feed into Nueva Esperanza Community's financial health score of 45/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,311 of 4,374; by total assets it ranks #3,936 of 4,374 nationally (same basis as /rankings/largest); and #182 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Nueva Esperanza Community compare to other credit unions?
On PlainCU's health composite, Nueva Esperanza Community lands at 45/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Nueva Esperanza Community are 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."
What rates does Nueva Esperanza Community offer compared to banks?
Credit unions like Nueva Esperanza Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Nueva Esperanza Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.