# UNIVERSITY OF TOLEDO
Toledo, OH · NCUA charter 16174 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-of-toledo-16174

Who the members are: federal charter, multiple common bond, organized 1964, low-income designated. 5,173 members of 9,000 potential (57.5% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $100.6M |
| Members | 5,173 (-0.3% YoY) |
| Full-time staff | 17 |
| Net worth | $11.0M |
| Net worth ratio | 10.9% (p39 of band) |
| ROA (annualized) | 0.79% (p56 of band) |
| Total delinquency | 0.33% (p26 of band) |
| Net charge-offs (annualized) | 0.10% (p23 of band) |
| Loans / shares | 45% (p13 of band) |
| Cash / assets | 22.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p24 of band) |
| Operating expense / assets | 2.74% (p19 of band) |
| Vehicles % of loans | 23% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 29% (p50 of band) |
| Vehicle delinquency | 0.64% (p55 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 92% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 18% |
| Average share balance | $8,728 |
| Participations bought / yr | $438,800 |
| Participations sold / yr | $0 |
| Participations outstanding | $10.2M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $11,754 |
| Loans granted, annualized | $14.8M |

## Participation posture (from the same filings)

Bought $438,800 and sold $0 in the latest annualized quarter; $10.2M outstanding purchased (92.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | losing money |  |
| 2017-06 | 0 |  | losing money |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | assets shrinking |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | losing money |  |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 3 |  | delinquency rising |
| 2021-12 | 4 | thin capital, members leaving | margin squeeze |
| 2022-03 | 2 |  | net worth falling, thin capital |
| 2022-06 | 1 |  | losing money |
| 2022-09 | 3 | thin capital, losing money |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | thin capital, losing money |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | assets shrinking |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 0 |  | assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [University of Toledo Federal Credit Union opens new branch at Heatherdowns and Eastgate - WTVG](https://news.google.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?oc=5) · WTVG
- 2026-07-14 [33rd Annual Art on the Mall Returns to UToledo on July 26 - UToledo News](https://news.google.com/rss/articles/CBMipgFBVV95cUxOM2hIMTlkV1dMRWpHYld0elFQT3Z5U1E3RWgtMFh3UjczZ2dwTzNYWkxIMTNiSzZiczR2M2tiekNqQWlZRDM5ZHZJaGM1dWFuRTFhRlQ1bUJDV1dKOHJoN3ZNcFlqRDdsdG9OLVVJc3k2cXVQeU1xYTQzMmdRV2RTbHN3Z3BBRjd6cV9pS3MzblAwZ1JCV0tIUV9BMXZud2FIME1ZeEFB?oc=5) · UToledo News
- 2026-03-29 [Lyndell Gowing Obituary Mar 29, 2026 - Walker Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE9rTzZMR2hyLU9WRVdCWVVPaXlyU0Zvc0R6bzFOUG41SkEzOFNLQ2dnSXVRRDhlbFcyYVlSWmlkNmxMWjh6WjYxNXBydHdLX3pYN1hMWDdHRmRQbTBWVi1wSlBIOXZQZ09QLXZGRw?oc=5) · Walker Funeral Homes & Crematory
- 2026-05-21 [Judith Adrene Hamilton Obituary (2026) - Toledo, OH - The House of Day Funeral Service, Inc. - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaGNZT2w3dlZWOUNZS0xsVDQ5MUZpeUlGbDVXVUJCMVZIcWRZYlRyOUZXMFVpSHNfVjZMRHBhZUNtRjdLaGpJZ2drZU8yN051UUhaQy1lTy13LUdrZWlvRi11RU9Wdy00QkYzZ09wel9uNWN5R2tGRTZoQ1pfbklqZmF0ZmY?oc=5) · legacy.com
- 2026-09-02 [UToledo Federal Credit Union opens new South Toledo branch - Toledo Blade](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQbTZyZDY5Ym9kd3ZkS3BILW5OOC11YmU0clJKV25Uc3djb1I5aXJfOHhfRWlrZlM3bTlFeG51Mlg5NzVvcFY3ZHdRTFV4bTdDeGZBY0dnOS12TFhsdk5YNW8temdPX0tzYXVZZU9CTUxDTkFvaXVIbHBXdUUxVk44UzktRnExN3JYdWhlZ2hGOTROclFYOFdUYVZDSndfRXNYYm1SMU1nQzVsODd5OURQVzhlYzFhQktnZTFseGhwemRwZkNZdVpqT01tb3lfOEtaZ3p0aFZ3WlFXeWp5VWpWSEpQWk95ZTlz?oc=5) · Toledo Blade
- 2024-01-02 [The University of Toledo Federal Credit Union appoints Greg Cook as Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxPYUFtRXNraV9PZjRNMmY1b1pDM3BNdEZlMDBoWjRGSnRCM1RPMVVyaE9SZlFRc2xfODhxcDNyN1VrRlZ0N09fdXg5ckE3MmFrZ1Vhc1E3T2NhbTdyVzNyZVBnUk1fd1BuZ0hKN3hTb29Rcko4UWNaVzJCNjFOU1p4RXd1SWFRV09nLUdzQm40dnRsdmR5Zl9rS1VJRGE0Y1BJanBzc3ZxUlZ5Y3RGZUxLUDFEd0NrSXVQUEpQb0pXd0p2b0dnM29XcGc4WS0?oc=5) · CUInsight
- 2025-05-07 [Fremont Federal Credit Union to Sponsor the Battle of I-75 Rivalry Series - University of Toledo Athletics](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUzB3R2dKeDc3cWN4UWdMNnc5bThzcGdfaUlMZXoxNWFHSkpwSU5ET29HUFJTel9paTJuQUlFdXVHQkRXNUlJTVBoNHViUjhvR2FhTUstMDlHTlBsdjVmVVNjbEVqcTlNeklWQWhCRnY1UjNNV1RpLVlTeFhpWFhFZG9LVVlQeDRWeGo1MURlVHVKeWtndEhnVGgwdkV3NXhObnY3eExEUlNrY0U0OEE?oc=5) · University of Toledo Athletics
- 2025-09-27 [Mitchell A. Farlee Obituary Sep 27, 2025 - Schaffer Funeral Home, Inc.](https://news.google.com/rss/articles/CBMiY0FVX3lxTFB0SGw0WXRGdjE3VW9lUG45cGRhenBDazJoc3RPWnRFRzNNVXExNkNNWmhudE1VOXRWOEVFaU1qdk85eGZ1d3ZCNHhSbXNjblpNeTA3aGpJbTI1WnRkd0ZFQ19raw?oc=5) · Schaffer Funeral Home, Inc.

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16174 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/46.json (key "16174", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=16174
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide