# TOLEDO URBAN
Toledo, OH · NCUA charter 24578 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/toledo-urban-24578

Who the members are: federal charter, community charter, organized 1996, low-income designated, minority depository institution. 3,456 members of 10,000 potential (34.6% of the field); checking penetration 82% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $17.0M |
| Members | 3,456 (-20.1% YoY) |
| Full-time staff | 13 |
| Net worth | $1.9M |
| Net worth ratio | 11.2% (p24 of band) |
| ROA (annualized) | -0.69% (p13 of band) |
| Total delinquency | 2.27% (p81 of band) |
| Net charge-offs (annualized) | 1.41% (p90 of band) |
| Loans / shares | 87% (p89 of band) |
| Cash / assets | 10.9% |
| Borrowings / assets | 9.13% |
| Net interest margin | 4.23% (p65 of band) |
| Operating expense / assets | 11.62% (p98 of band) |
| Vehicles % of loans | 26% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.58% (p84 of band) |
| Vehicle NCO | 2.97% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 16% |
| Average share balance | $2,319 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,303 |
| Loans granted, annualized | $3.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 7 | thin capital, capital below 7%, expense trap, delinquency 2x band, leaning on borrowings, auto monoline |  |
| 2016-06 | 7 | loans>95% of shares | delinquency 2x band |
| 2016-09 | 7 | delinquency 2x band | loans>95% of shares |
| 2016-12 | 6 |  | leaning on borrowings |
| 2017-03 | 6 |  |  |
| 2017-06 | 7 | delinquency rising |  |
| 2017-09 | 4 |  | capital below 7%, delinquency rising |
| 2017-12 | 5 | loans>95% of shares |  |
| 2018-03 | 6 | net worth falling, losing money | loans>95% of shares |
| 2018-06 | 9 | capital below 7%, margin squeeze, charge-offs p90 | losing money |
| 2018-09 | 4 |  | net worth falling, capital below 7%, margin squeeze, charge-offs p90 |
| 2018-12 | 5 | loans>95% of shares |  |
| 2019-03 | 9 | capital below 7%, losing money, delinquency rising, charge-offs p90 | loans>95% of shares |
| 2019-06 | 10 | repo signal, assets shrinking | delinquency rising |
| 2019-09 | 9 | loans>95% of shares | capital below 7% |
| 2019-12 | 10 | capital below 7%, margin squeeze | assets shrinking, loans>95% of shares |
| 2020-03 | 9 | net worth falling | losing money, margin squeeze |
| 2020-06 | 10 | margin squeeze |  |
| 2020-09 | 6 |  | thin capital, capital below 7%, net worth falling |
| 2020-12 | 6 | thin capital | delinquency 2x band |
| 2021-03 | 5 |  | charge-offs p90 |
| 2021-06 | 3 |  | auto monoline, repo signal |
| 2021-09 | 2 | repo signal | margin squeeze, thin capital |
| 2021-12 | 4 | losing money, delinquency 2x band |  |
| 2022-03 | 2 |  | repo signal, losing money |
| 2022-06 | 3 | delinquency rising, repo signal | delinquency 2x band |
| 2022-09 | 5 | delinquency 2x band, loans>95% of shares, leaning on borrowings | repo signal |
| 2022-12 | 5 | repo signal | loans>95% of shares |
| 2023-03 | 7 | net worth falling, losing money |  |
| 2023-06 | 3 |  | leaning on borrowings, repo signal, net worth falling, losing money |
| 2023-09 | 7 | repo signal, members leaving, loans>95% of shares, leaning on borrowings |  |
| 2023-12 | 6 |  | repo signal |
| 2024-03 | 6 | losing money | loans>95% of shares |
| 2024-06 | 8 | net worth falling, charge-offs p90, loans>95% of shares | delinquency rising |
| 2024-09 | 4 |  | members leaving, net worth falling, charge-offs p90, loans>95% of shares |
| 2024-12 | 5 | loans>95% of shares |  |
| 2025-03 | 5 | net worth falling, assets shrinking | losing money, loans>95% of shares |
| 2025-06 | 6 | losing money, delinquency rising | assets shrinking |
| 2025-09 | 6 | members leaving | delinquency rising |
| 2025-12 | 6 |  |  |
| 2026-03 | 6 |  |  |

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

- 2026-02-27 [Toledo Urban Federal Credit Union targeted again - WTVG](https://news.google.com/rss/articles/CBMiigFBVV95cUxQUjg5T1hJWkRjNDRxYkRLU0tSZFl3X0QwVlBORUdCemwzYWlxSEtZQUV6WXdia0tPbzZUNUJWMGl1SzNLU2E3cVpsZTFDVGFOVWxVaml1MUxPUTJTNjBSeU44RDFBUkk2Tk9fRjJVel9LRTg4VFhZYlpncXo4WEh2YVJERjU4Y1h5WEHSAZ4BQVVfeXFMTlZwSEhDcnFPbU14bS14SHRuRkpmWEhDWERVTEFxdG1FaHZfM2MzLWYzMUttY2RzUUtpSWdiUl85VWJRSV9rVmVUbmtzekhUZWJ4dW1DbVF0Z0JIb1RjU1BBODVTWFdsc2h2WC1pS3pwTkNqUTR3UjA0MU9Sdk1JTlpmWUc3ZFEyQzRNVUdrSl90WWhzVGJ6YW5uSlNvREE?oc=5) · WTVG
- 2026-07-16 [It's Time for the Toledo Urban Festival & Parade! - WTVG](https://news.google.com/rss/articles/CBMigwFBVV95cUxPZHFpOGk3bUN2czYxdHJId2w2Um54NDQ0Mkd3d0JFSkNEZU9QQ0tvcVRJMWN0cEpLdjhhRGhkeW91OGVRSV9ZN1kzUDhaaVhCbzlyNXVFNjlIZHpLczhFNjFZZXNUa2lBRm5SZk45eklsM3UtY0NiRzI4TVRJaHJoWGhpQQ?oc=5) · WTVG
- 2026-02-27 [‘We can’t catch a break’: Fourth ATM break-in delays Toledo Urban Federal Credit Union reopening - WTVG](https://news.google.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?oc=5) · WTVG
- 2024-11-19 [ATM stolen from central Toledo bank, police say - WTOL](https://news.google.com/rss/articles/CBMi_gFBVV95cUxQRHQxNFFlZmZPZFotM1l5YU1NakllRXdfTkFLV19GNEt2OE1PSmNuYmpEUnJwTUQ2YkJYT3hXQW1UM2tIZWxYTVY3YXhhQnB6Uzd5dDNhOTNCVXBpRThtV0ZIVllHakNYRDZsMFV6OGVERzg5dG04WEs1REFsb0NDeW1PVXZjalFjOHFLdUNyMXJiaFZGWmFhWUJKMktqMXpKd1ZNbjg0emtON2Y0cFdHR1Z4M09nRG5Ya0E4TUZTa2NrdmpZbHdpTHNJNE5CRWtZM3c1QmdtUXJfbjFMTEZETlM1QWx2U0MyanYxdTNybGFqTG5aYTFXYUY5SkNjdw?oc=5) · WTOL
- 2023-08-24 [Rooftops Repair Program Achievements and Updates - toledo.oh.gov](https://news.google.com/rss/articles/CBMizAJBVV95cUxOTWZMNVRFQ01YTzJ4dGpfaXk4TVZyQ2kzS2VCMDg1Sml0cVVFS3NfSFBueUN2WmxucUVyQ3dzVnlzSkE0cjFIa0hYQWltTklpMXN1OWhITGYwZWI0eDg5b0ljdThJMzNoQ0dfVmdJTnQ0Z0h6aG5pSHpSVmhZMVdaNURqa052SUUxeklMWVItaVZJVnktVzVkZXBVY0ppcW9RT2Nsa1ZZLVh1ZFU1eGtjRzc1Mnl5V1RGZlF1MU5jOTJJcDZ6ek9CcUNUVGtNcjJzNFo1Rlc0aU1lMnNXNmRiR3diRGhuS1dyLWsxZHZGUUpNLTF6ZDVhZ2t0bmhmTjZjOUcxNFJWVmVrb0Q4c3h0WHlELXRERVpLaWUxWkJDTzBTWUxIZzhiSjNPVkxYU2k4VVpwV0cxS0xUZ0Y0MmZFeGdLWGl5T2xIeS1XTw?oc=5) · toledo.oh.gov
- 2025-02-19 [Black Owned Credit Unions You Should Know - Shoppe Black](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · Shoppe Black
- 2025-07-03 [Toledo Federal Credit Union to reopen - WTVG](https://news.google.com/rss/articles/CBMid0FVX3lxTE5FMTJ3RU5jWnNqSTFyQjVGT01iOG1oeWJfbTZnZV9hMURHQVRDWUJ4dWRkWXBJdndyOXlSUmY0OU5YWVo4Wk4wdkd2ajVrczF6WjFEdy1BbVZ4MXNPYk82ZGc1N0pwaVdyZmsxbG0ta2tjMUpsdUpN0gGLAUFVX3lxTFA4OWVRVF9Zc2tKYWFyenE1b1JUSjE1bjVBWWFsaHdIUExfSm4zNWxfcENXX2NtZ0k1UXFtbWNoOWRpSDQxdXZYVkFab1BaMGx4MzZtUXlSYXpRLTFOLVl1UTU0S1c4dTZ3bWZHT21JUllsU0FwekRibHhCdElZYmI4bjQ1aV9FWWM4RzQ?oc=5) · WTVG
- 2025-04-06 [Car crashes into Toledo Urban Federal Credit Union, building closed for repairs - WTVG](https://news.google.com/rss/articles/CBMirAFBVV95cUxPWHRFWU5SMzQ5a1lKd0MxSDNMS2wwa014WU1FT2xDVHZvb0N5cFZjZlRvOTRZQXlDQ2RzSzJjT05YY3hEZ1FJMk5ZSUlodlRUM2FPMXdMZWhtcDM0NHNDU1YyRVdhU1Vxak5obF9TcVdJZURJR0JJVHN3UVdhd3pQVVh2WDJoc05ibUJWdkFNcEIyTVVvQ2xhNDRaSThMSUhXeDRkcVVwME9vSTNn0gHAAUFVX3lxTE9FaTN5SWxJbGlTS29TZTluNk1lN2ZYdlAwQVNlelhja0Z6QmQ1bUxSRXBMVjBudTI4OVFpeFpUeml0UWpLeU5XZkpmU000MGhJcWRPX25NZlN4ZGR5SlA2SEttekFMcFpmU05EV2JRTENHcFFiSnVqLTVDb3NrQ3prV3N6bWlqYXM3WFlwOWF0NUptQUFHUjVGemVnejU1a1ZoSVhNM3E5N2JaaVVPQ1FWRDZFQWJKMU5YdE81Ylg4Qg?oc=5) · WTVG

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24578 (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/2.json (key "24578", 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=24578
- 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.

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