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
Call Report peers
Toledo Urban in the assets neighbourhood
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Toledo Urban vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Toledo Urban sits in 45-49 with 39 others.
48 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Ohio, Holy Family Parma (#188) scores 50/100, 2 points higher; one place down, Shaker Heights (#190) scores 47/100, 1 point lower.
Quarter path for Toledo Urban
Toledo Urban: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $16.8M (2025Q4) to $17.0M (2026Q1).
- Net-worth ratio shifted -0.84 pp (12.01% → 11.17%).
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
Toledo Urban gives up 52 points in total. Delinquency Rate costs the most, 21.7 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Toledo Urban financially healthy?
On its 2025Q4 NCUA 5300 filing, Toledo Urban scores 48/100 (Below Average), with a 11.17% net worth ratio and 3.47% of loans delinquent. It ranks #4,290 of 4,374 nationally on health and #189 of 196 in Ohio.
How does Toledo Urban compare to other credit unions?
Toledo Urban scores 48/100, higher than 2% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (89.66% vs 59.80%). Its widest shortfall is return on assets (-3.19% vs 0.70%).
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?
Toledo Urban 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 Urban's net worth ratio of 11.17% 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.