Federal credit union · Toledo, Ohio · NCUA charter #3748
Toledo Fire Fighters
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $45.1M
- Total assets
- 2,778
- Members
- 17.3%
- Net-worth ratio
Toledo Fire Fighters scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.1M; members 2,778; net-worth ratio 17.28%; health rank #735 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#735 of 4,374 health · 2025Q4Toledo Fire Fighters · health 92/100 · $45.1M · 2025Q4
- ROA 92/100
- ASSETS 17.3%
- MEM 0.83%
- RANK 2.08%
- PHOTO $45.1M
- BOOK 2,778
- CHARTER #735/4,374
- NCUSIF Marathon County Employees
- CAMELS 3748
Call Report peers
Toledo Fire Fighters in the assets neighbourhood
Toledo Fire Fighters's $45.1M assets sit next to Marathon County Employees ($45.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Toledo Fire Fighters 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
92 Top 20% higher than 80% 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
Toledo Fire Fighters - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3748: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Toledo Fire Fighters: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +2.42 pp (17.28% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 50.11% vs peer 59.80% (-9.69 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Toledo Fire Fighters in Ohio
- Ohio health ordinal: #27 of 196.
- Ohio assets place: #109 of 196.
- Ohio membership ordinal: #133 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Toledo Fire Fighters
Toledo Fire Fighters: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $45.1M (2025Q4) to $45.6M (2026Q1).
- Net-worth ratio shifted +0.14 pp (17.14% → 17.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.3 pts
Call Report ratios for Toledo Fire Fighters
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.28% | +2.42 pp |
| Delinquency Rate | 0.83% | -0.31 pp |
| Return on Assets | 2.08% | +1.38 pp |
| Member Growth | 6.40% | - |
| Loan-to-Share Ratio | 50.11% | -9.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Toledo Fire Fighters
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.6M | - |
| 2025Q4 | $45.1M | 2,778 |
| 2024Q4 | $42.7M | 2,611 |
| 2023Q4 | $42.6M | 2,645 |
Credit Union Details
- Charter Number
- 3748
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Toledo
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Toledo Fire Fighters, spread across 3 cities in 3 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Toledo, OH |
| Vital Records | Cherry Hill, NJ |
| Disaster Recovery Center | Philadelphia, PA |
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.
Other-state peers near Toledo Fire Fighters
Toledo Fire Fighters's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Toledo Fire Fighters ranks #735 of 4,374 nationally on financial health and #27 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Firstenergy Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Firstenergy Family
- 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 Toledo Fire Fighters financially healthy?
A 17.28% net worth ratio and a 0.83% delinquency rate feed into Toledo Fire Fighters's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #735 of 4,374; by total assets it ranks #2,484 of 4,374 nationally (same basis as /rankings/largest); and #109 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Toledo Fire Fighters compare to other credit unions?
92/100 is Toledo Fire Fighters's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Toledo Fire Fighters?
Toledo Fire Fighters serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Toledo Fire Fighters directly for the current list of qualifying groups.
Is my money safe at Toledo Fire Fighters?
Federal credit unions like Toledo Fire Fighters 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. Toledo Fire Fighters's net worth ratio of 17.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Toledo Fire Fighters offer compared to banks?
Credit unions like Toledo Fire Fighters 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 Toledo Fire Fighters 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.