Federal credit union · Toledo, Ohio · NCUA charter #3720
Toledo Police
Health score 56/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $55.0M
- Total assets
- 3,152
- Members
- 8.6%
- Net-worth ratio
Toledo Police - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3720. See our deposit-insurance coverage note.
Toledo Police - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)88
- Asset quality (delinquency)5
- Earnings (ROA)65
- Member growth58
- Liquidity (loan-to-share)65
Weighted composite: 56/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.58% | 30% |
| Delinquency Rate | 3.80% | 25% |
| Return on Assets | 0.15% | 15% |
| Member Growth | -0.13% | 15% |
| Loan-to-Share Ratio | 41.71% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $55.0M | 3,152 |
| 2024Q4 | $52.3M | 3,156 |
| 2023Q4 | $52.4M | 3,210 |
Credit Union Details
- Charter Number
- 3720
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Toledo
- Data Quarter
- 2025Q4
What This Data Says About Toledo Police
The five-factor composite scores Toledo Police at 56/100 (Fair), reflecting a net worth ratio of 8.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Toledo, Ohio, reports 3,152 members, $55.0M in total assets, and $20.7M in outstanding loans as of Q4 2025 under charter #3720 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 3.80% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 41.71% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.15% on net income of $82K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.13%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Toledo Police financially healthy?
Yes/no aside, the number is 56/100 (Fair) - Toledo Police's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.58% net worth ratio and 3.80% delinquency rate are the key drivers.
How does Toledo Police compare to other credit unions?
On PlainCU's health composite, Toledo Police lands at 56/100, compared to a peer group average for $50M–$100M 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 Toledo Police?
Toledo Police carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Toledo Police directly to confirm current membership steps.
Is my money safe at Toledo Police?
Federal credit unions like Toledo Police 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 Police's net worth ratio of 8.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Toledo Police offer compared to banks?
Credit unions like Toledo Police 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 Police directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.