TOLEDO URBAN
Charter #24578 · Toledo, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,456 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.70% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.79% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.27% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.41% sits at the 95th percentile of structural peers — worth a closer look.
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 | TOLEDO URBAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.98M | 27th pct | 16th pct |
| Members | 3,456 | 84th pct | 77th pct |
| Net worth ratio | 11.17% | 28th pct | 39th pct |
| Return on average assets | -0.70% | 9th pct | 8th pct |
| Net interest margin | 4.25% | 69th pct | 74th pct |
| Cost of funds | 0.79% | 47th pct | 16th pct |
| Loan-to-share | 87.34% | 92th pct | 72th pct |
| Delinquency 60+ days | 2.27% | 87th pct | 90th pct |
| Net charge-off ratio | 1.41% | 91th pct | 95th pct |
| Loan growth YoY | 2.77% | 86th pct | 80th pct |
| Share growth YoY | 8.79% | 93th pct | 98th pct |
| Efficiency ratio | 105.77% | 92th pct | 90th pct |
structural peer set hash: ab6d488c1ba7d9f8817a575cb2d6bf3d… (reproducible)
Closest structural peers
This is the free public view
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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.