TOLEDO METRO
Charter #9189 · TOLEDO, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.95% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.02% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 48th — a 17-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 | TOLEDO METRO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.37M | 30th pct | 44th pct |
| Members | 4,864 | 47th pct | 43th pct |
| Net worth ratio | 8.95% | 10th pct | 11th pct |
| Return on average assets | 0.43% | 35th pct | 39th pct |
| Net interest margin | 3.61% | 45th pct | 38th pct |
| Cost of funds | 0.80% | 41th pct | 51th pct |
| Loan-to-share | 50.34% | 30th pct | 48th pct |
| Delinquency 60+ days | 0.89% | 67th pct | 67th pct |
| Net charge-off ratio | -0.02% | 10th pct | 13th pct |
| Loan growth YoY | -0.63% | 59th pct | 64th pct |
| Share growth YoY | 6.17% | 83th pct | 79th pct |
| Efficiency ratio | 86.96% | 71th pct | 69th pct |
structural peer set hash: 720012b7c9f656f2ebd1e9d39ad3cfe3… (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.