University of Toledo

Toledo, OH · 1 · Charter #16174 · www.uoftfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$99.2M
46th percentile
Members
5,137
26th percentile
Total loans
$38.7M
25th percentile
Total shares
$88.0M
48th percentile

Profitability

Return on assets
1.11%
55th percentile
Net interest margin
3.25%
28th percentile
Efficiency ratio
56.70%
67th percentile
Non-interest income ratio
14.05%
34th percentile

Capital & Risk

Net worth ratio
10.91%
34th percentile
Delinquency rate
0.35%
76th percentile
Net charge-off rate
0.15%
75th percentile
Loan-to-share
43.97%
12th percentile

Growth

Member growth YoY
-1.40%
41th percentile
Asset growth YoY
6.16%
70th percentile
Loan growth YoY
3.96%
65th percentile
Share growth YoY
5.81%
70th percentile

Operations

Members / branch
1,284
5th percentile
Assets / member
$19,308
81th percentile
Field of membership penetration
57.08%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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