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
- BOOK 80/100
- CHARTER 8.9%
- NCUSIF 0.61%
- CAMELS 0.42%
- HEALTH $59.9M
- NW 4,876
- DELQ #2,789/4,374
- ROA Oswego Teachers Employees
- ASSETS 9189
Call Report peers
Toledo Metro in the assets neighbourhood
Toledo Metro's $59.9M assets sit next to Oswego Teachers Employees ($59.9M) 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 Metro 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
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 - Share Insurance Coverage
Charter #9189's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Toledo Metro: 2025Q4 → 2026Q1
Toledo Metro: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $59.9M (2025Q4) to $62.4M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.21% → 8.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for Toledo Metro - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($59.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- 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 Metro financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - Toledo Metro's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,789 of 4,374; by total assets it ranks #2,258 of 4,374 nationally (same basis as /rankings/largest); and #101 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.95% net worth ratio and 0.61% delinquency rate are the key drivers.
How does Toledo Metro compare to other credit unions?
Five weighted metrics from NCUA filings produce Toledo Metro's 80/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Toledo Metro 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 Metro's net worth ratio of 8.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Toledo Metro offer compared to banks?
Credit unions like Toledo Metro 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 Metro 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.