Federal credit union · Toledo, Ohio · NCUA charter #24578
Toledo Urban
Health score 25/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 25
- Health / 100
- $16.8M
- Total assets
- 3,531
- Members
- 2.6%
- Net-worth ratio
Toledo Urban - Share Insurance Coverage
Charter #24578'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 Urban - 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)21
- Asset quality (delinquency)13
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 25/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
2.55% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 2.55% | 30% |
| Delinquency Rate | 3.47% | 25% |
| Return on Assets | -3.19% | 15% |
| Member Growth | -17.88% | 15% |
| Loan-to-Share Ratio | 89.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.8M | 3,531 |
| 2024Q4 | $16.4M | 4,300 |
| 2023Q4 | $15.9M | 4,246 |
Credit Union Details
- Charter Number
- 24578
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Toledo
- Data Quarter
- 2025Q4
What This Data Says About Toledo Urban
3,531 members and $16.8M in total assets sit behind Toledo Urban, a federal credit union in Toledo, Ohio, which posts a health score of 25/100 (Weak) on the five-factor composite, with $13.4M in outstanding loans as of Q4 2025 and a net worth ratio of 2.55% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24578 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 3.47% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 89.66% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -3.19% on net income of $-537209 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 -17.88%. 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: Community). 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
Other federally-insured credit unions in Ohio, closest first by peer group 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 Urban financially healthy?
Toledo Urban has a financial health score of 25/100 (Weak) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 2.55% and delinquency rate of 3.47%.
How does Toledo Urban compare to other credit unions?
Five weighted metrics from NCUA filings produce Toledo Urban's 25/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Urban?
Toledo Urban 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 Urban directly for the exact boundaries and application steps.
Is my money safe at Toledo Urban?
Federal credit unions like Toledo Urban 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 Urban's net worth ratio of 2.55% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Toledo Urban offer compared to banks?
Credit unions like Toledo Urban 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 Urban 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.