Federal credit union · Toledo, Ohio · NCUA charter #24578
Toledo Urban
Health score 48/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 48
- Health / 100
- $16.8M
- Total assets
- 3,531
- Members
- 11.2%
- Net-worth ratio
Toledo Urban scores 48/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.8M; members 3,531; net-worth ratio 11.17%; health rank #4,290 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,290 of 4,374 health · 2025Q4Toledo Urban · health 48/100 · $16.8M · 2025Q4
- DELQ 48/100
- ROA 11.2%
- ASSETS 3.47%
- MEM -3.19%
- RANK $16.8M
- PHOTO 3,531
- BOOK #4,290/4,374
- CHARTER VAREX
- NCUSIF 24578
Call Report peers
Toledo Urban in the assets neighbourhood
Toledo Urban's $16.8M assets sit next to VAREX ($16.8M) 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 Urban 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
48 2nd percentile higher than 2% 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 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 vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +29.86 pp (89.66% vs 59.80%).
- Widest shortfall vs peers is Return on Assets: -3.90 pp (-3.19% vs 0.70%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Toledo Urban: in-state Call Report ranks
- Health composite ranks #189 of 196 among scored Ohio credit unions.
- Assets rank #146 of 196 inside Ohio ($16.8M reported).
- Membership ranks #115 of 196 among Ohio CUs with a reported count (3,531 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.
Quarter path for Toledo Urban
Toledo Urban: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $16.8M (2025Q4) to $17.0M (2026Q1).
- Net-worth ratio shifted -0.84 pp (12.01% → 11.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 48/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 48.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
Toledo Urban vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.17% | -3.69 pp |
| Delinquency Rate | 3.47% | +2.32 pp |
| Return on Assets | -3.19% | -3.90 pp |
| Member Growth | -17.88% | - |
| Loan-to-Share Ratio | 89.66% | +29.86 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).
Toledo Urban filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.0M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Toledo Urban.
| Office | City |
|---|---|
| Toledo Urban FCU (Main Office) | Toledo, OH |
| Toledo Urban FCU | Toledo, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for Toledo Urban
Cross-state asset and health neighbours for Toledo Urban - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (48/100 here).
Using this data
- Toledo Urban ranks #4,290 of 4,374 nationally on financial health and #189 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Holy Family Parma is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Holy Family Parma
- 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 Urban financially healthy?
Toledo Urban has a financial health score of 48/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,290 of 4,374; by total assets it ranks #3,249 of 4,374 nationally (same basis as /rankings/largest); and #146 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.17% 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 48/100 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 11.17% exceeds 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.
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.