UNIVERSITY OF TOLEDO
Charter #16174 · Toledo, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.22% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.11% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 82nd — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UNIVERSITY OF TOLEDO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $100.64M | 1th pct | 28th pct |
| Members | 5,173 | 4th pct | 26th pct |
| Net worth ratio | 10.95% | 42th pct | 44th pct |
| Return on average assets | 0.79% | 57th pct | 66th pct |
| Net interest margin | 3.23% | 25th pct | 34th pct |
| Cost of funds | 1.22% | 50th pct | 82th pct |
| Loan-to-share | 45.13% | 8th pct | 28th pct |
| Delinquency 60+ days | 0.33% | 25th pct | 33th pct |
| Net charge-off ratio | 0.11% | 19th pct | 20th pct |
| Loan growth YoY | 3.95% | 81th pct | 79th pct |
| Share growth YoY | 1.28% | 20th pct | 28th pct |
| Efficiency ratio | 73.94% | 34th pct | 36th pct |
structural peer set hash: d964a34add24e5ef4c4dadc007ab954f… (reproducible)
Closest structural peers
This is the free public view
Claim UNIVERSITY OF TOLEDO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.