Federal credit union · TOLEDO, Ohio · NCUA charter #9189
Toledo Metro
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $59.9M
- Total assets
- 4,876
- Members
- 8.9%
- Net-worth ratio
Toledo Metro scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.9M; members 4,876; net-worth ratio 8.95%; health rank #2,789 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,789 of 4,374 health · 2025Q4Toledo Metro · health 80/100 · $59.9M · 2025Q4
Call Report peers
Toledo Metro in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Toledo Metro vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Toledo Metro sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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 Metro: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.61% vs peer 0.96% (-0.35 pp).
- Largest lag: Loan-to-Share Ratio at 54.49% vs peer 62.60% (-8.11 pp).
Where Toledo Metro sits in Ohio
- Ohio health ordinal: #128 of 196.
- By total assets, Toledo Metro is #101 of 196 in Ohio.
- Membership ranks #99 of 196 among Ohio CUs with a reported count (4,876 members).
- One place up in Ohio, Commodore Perry (#127) ties at 80/100; one place down, AURGROUP (#129) ties at 80/100.
Toledo Metro: 2025Q4 → 2026Q1
Toledo Metro: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $59.9M (2025Q4) to $62.4M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.21% → 8.95%).
This credit union's 8.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Toledo Metro gives up 20 points in total. Member Growth costs the most, 11.5 of its 15; Delinquency Rate loses the least, 1.1.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 23.9 pts
- Return on Assets 13.8 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 11.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.95% | -4.67 pp |
| Delinquency Rate | 0.61% | -0.35 pp |
| Return on Assets | 0.42% | -0.24 pp |
| Member Growth | -3.06% | - |
| Loan-to-Share Ratio | 54.49% | -8.11 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Toledo Metro quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.4M | - |
| 2025Q4 | $59.9M | 4,876 |
| 2024Q4 | $56.5M | 5,030 |
| 2023Q4 | $55.3M | 5,302 |
Credit Union Details
- Charter Number
- 9189
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- TOLEDO
- Data Quarter
- 2025Q4
Branch Locations (2)
Toledo Metro operates 2 offices in Toledo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Toledo Metro FCU (Main Office) | Toledo, OH |
| Parish FCU | Toledo, 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.
Toledo Metro nationwide neighbourhoods
Similar total assets
Using this data
- Toledo Metro ranks #2,789 of 4,374 nationally on financial health and #128 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUMMIT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUMMIT
Frequently Asked Questions
Is Toledo Metro financially healthy?
On its 2025Q4 NCUA 5300 filing, Toledo Metro scores 80/100 (Excellent), with a 8.95% net worth ratio and 0.61% of loans delinquent. It ranks #2,789 of 4,374 nationally on health and #128 of 196 in Ohio.
How does Toledo Metro compare to other credit unions?
Toledo Metro scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.61% vs 0.96%). Its widest shortfall is loan-to-share ratio (54.49% vs 62.60%).
How can I join Toledo Metro?
Toledo Metro operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Toledo Metro directly for the exact boundaries and application steps.
Is my money safe at Toledo Metro?
Toledo Metro is a federal 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. Toledo Metro's net worth ratio of 8.95% 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.