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
- CHARTER 82/100
- NCUSIF 10.9%
- CAMELS 0.35%
- HEALTH 0.22%
- NW $99.2M
- DELQ 5,137
- ROA #2,450/4,374
- ASSETS Healthcare First Credit Union
- MEM 16174
Call Report peers
University of Toledo in the assets neighbourhood
University of Toledo's $99.2M assets sit next to Healthcare First Credit Union ($99.3M) 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.
University of Toledo 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
82 43rd percentile higher than 43% 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
University of Toledo - Share Insurance Coverage
Charter #16174'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.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
University of Toledo: 2025Q4 → 2026Q1
University of Toledo: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $99.2M (2025Q4) to $100.6M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.91% → 10.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for University of Toledo, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($99.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 University of Toledo financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - University of Toledo's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,450 of 4,374; by total assets it ranks #1,826 of 4,374 nationally (same basis as /rankings/largest); and #79 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.95% net worth ratio and 0.35% delinquency rate are the key drivers.
How does University of Toledo compare to other credit unions?
Five weighted metrics from NCUA filings produce University of Toledo's 82/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like University of Toledo 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. University of Toledo's net worth ratio of 10.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does University of Toledo offer compared to banks?
Credit unions like University of Toledo 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 University of Toledo 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.