Federal credit union · Toledo, Ohio · NCUA charter #16174
University of Toledo
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $99.2M
- Total assets
- 5,137
- Members
- 10.9%
- Net-worth ratio
University of Toledo scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $99.2M; members 5,137; net-worth ratio 10.95%; health rank #2,450 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,450 of 4,374 health · 2025Q4University of Toledo · health 82/100 · $99.2M · 2025Q4
Call Report peers
University of Toledo in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
University of Toledo vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); University of Toledo sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
University of Toledo: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.35% vs peer 0.96% (-0.62 pp).
- Largest lag: Loan-to-Share Ratio at 43.97% vs peer 62.60% (-18.63 pp).
Ohio standing for University of Toledo
- Ohio health ordinal: #110 of 196.
- Assets rank #79 of 196 inside Ohio ($99.2M reported).
- Ohio membership ordinal: #97 of 196.
- One place up in Ohio, Miami University Community (#109) ties at 82/100; one place down, Ohio Healthcare (#111) ties at 82/100.
University of Toledo: 2025Q4 → 2026Q1
University of Toledo: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $99.2M (2025Q4) to $100.6M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.91% → 10.95%).
This credit union's 10.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
University of Toledo gives up 18 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.8 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.95% | -2.67 pp |
| Delinquency Rate | 0.35% | -0.62 pp |
| Return on Assets | 0.22% | -0.44 pp |
| Member Growth | -1.40% | - |
| Loan-to-Share Ratio | 43.97% | -18.63 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - University of Toledo
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.6M | - |
| 2025Q4 | $99.2M | 5,137 |
| 2024Q4 | $93.4M | 5,210 |
| 2023Q4 | $93.5M | 5,371 |
Credit Union Details
- Charter Number
- 16174
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Toledo
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, University of Toledo runs 3 offices.
| Office | City |
|---|---|
| Hill Ave Office (Main Office) | Toledo, OH |
| Health Science Campus | Toledo, OH |
| UT Main Campus Office | Toledo, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near University of Toledo
Similar total assets
Similar health score
Using this data
- University of Toledo ranks #2,450 of 4,374 nationally on financial health and #110 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Unity Catholic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Unity Catholic
Frequently Asked Questions
Is University of Toledo financially healthy?
University of Toledo has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,450 of 4,374 nationally on health and #110 of 196 in Ohio. Its net worth ratio is 10.95% and its delinquency rate 0.35%.
How does University of Toledo compare to other credit unions?
University of Toledo scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.35% vs 0.96%). Its widest shortfall is loan-to-share ratio (43.97% vs 62.60%).
How can I join University of Toledo?
University of Toledo 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 University of Toledo directly for the exact boundaries and application steps.
Is my money safe at University of Toledo?
University of Toledo 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. University of Toledo's net worth ratio of 10.95% 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.