# TOLEDO POLICE
Toledo, OH · NCUA charter 3720 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/toledo-police-3720

Who the members are: federal charter, government (single sponsor), organized 1940, low-income designated. 3,147 members of 8,950 potential (35.2% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $56.7M |
| Members | 3,147 (-0.3% YoY) |
| Full-time staff | 8 |
| Net worth | $5.3M |
| Net worth ratio | 9.3% (p14 of band) |
| ROA (annualized) | 0.56% (p42 of band) |
| Total delinquency | 4.09% (p99 of band) |
| Net charge-offs (annualized) | 0.46% (p68 of band) |
| Loans / shares | 40% (p13 of band) |
| Cash / assets | 39.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.55% (p5 of band) |
| Operating expense / assets | 2.41% (p12 of band) |
| Vehicles % of loans | 41% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.23% (p77 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 10% |
| Average share balance | $8,417 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,969 |
| Loans granted, annualized | $5.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2026-04-16 [Toledo police looking for suspect who allegedly used fake ID to steal from local bank; also wanted in Oklahoma - WTOL](https://news.google.com/rss/articles/CBMimgJBVV95cUxQZ2RUSmQzUHAwRDVVTlZTNEhJTjdzNEV4dmZDTl9tXzJHd05faEtVZUFQQjVSOGV2aUhna0poLXp5TGIxWkRzMjhEYTcydTk0VzRPNW50YTFVV25TWlgwRFRGWFdNMFVCNXQxckY1TkJfWmVFNVU3d3pMbndpcEZBX1FTNUNfLS1FckpxYW94dUtYajQ3LUpJSG9sMWxqRENUSm9PN1kzT0VJTDZSZmo4bm1jbU50WXkwenJvMEV1eHBaWmN1Y050SFRQbzRvd3NzTnU3YTB2N1NQT2hUZThXRi1ITmxBdm5VbU1Wd1REN0M2RUphNWlVeElYQ1R4NkYyOG9ObHRHeF96N2FFNW02UThEd2VFWjg3LXc?oc=5) · WTOL
- 2026-02-27 [‘We can’t catch a break’: Fourth ATM break-in delays Toledo Urban Federal Credit Union reopening - 13abc.com](https://news.google.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?oc=5) · 13abc.com
- 2026-06-05 [Pembroke Pines man jailed in Ohio on identity fraud charge, police say - Pembroke Pines News](https://news.google.com/rss/articles/CBMid0FVX3lxTE10T2h2NjNMLXZRUEdFSEU3Y2YtU0VRTm0yZ29sOFo5TEJCdFRjdE81Y05SMlFfVWZTVno4NHdiQUdIN0FKeEFlcVNxVmxOZTUwRzBIT1lrYlEtZVprOGVsX0NvMXV6NHdpendnd1N3S3hDR18wMHpR0gF3QVVfeXFMTktyZmg2VVNSaUhQVmpwaUY3N1dZQlBjSFlHbWVaVGFUN0lWUzU3TEpXVGhnc1hYS29saFBaMW13R1JDT280cXBUc2Ewd094bXhpYVNmN0ViVGNwOEh1UG40aGV1RHBndVB2MEdOMm5FVnJmamJaTW8?oc=5) · Pembroke Pines News
- 2025-10-24 [Police looking for suspects in theft from west Toledo credit union ATM - WTOL](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOVzB4V1BIQ0ZxbC1tczlZaHh1ellMZ3p2Uy1RN0I2SG9UMjhIT2x5S09WZzFya3lkZWhHUl9uVFpSaUIwRlN3aWF5Z1YyWGRmdDJXSVBYWjVOTnpSckVzQXktTV9tLTdyRjdhN3BUd1dnbjdIN3RJVmF3N1lLM2VBSzMtVVZJMGwtVXQ2NlVxWm9TTGw4OXVDZlpsYnVvVnhwS1BlWWVwNFBnel9lM0oxYWY1SGZLMENKa1dSWDJ6RkpSaUpoTlRXMzBNQ0ZiSkZHN245eWE2bHU1YUNmRDNiZw?oc=5) · WTOL
- 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
- 2024-07-23 [Officer M. Stalker Obituary Jan 18, 2021 - Newcomer Toledo](https://news.google.com/rss/articles/CBMic0FVX3lxTE5XRi10N20wbmhzV0R0TkhSbGdYUndLRHU2TzdOZmNUUHZwbDgydzQwc2xEc2NsdVlLM0p6YnA0UG55czJfOUNOVjI0M0oyOGJaUUdqYlEtcHVYSHh0anUtU2hWLUFUZUhhYzVTcDNjLVN3a0U?oc=5) · Newcomer Toledo
- 2020-07-22 [Man accused of robbing Ohio credit union while holding toddler - fox13news.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNeGc0blVTZHF5NzF2aDVjUnJsS2V2M1dmMEFGM3Vxb1RDNF9ZNW81SUlZRU9XeWlsMERLSXdVRUtPY09vY0ZrVzdTN2FSVDVDTGxyb2NRRmNyMkpBUWZVSi1tb2FFbm14MFlvRG1UUm5sX2lXQ3hKQVNNSFE2Rloxcm1fUU9mYk8ya0F3bnJRQ0tLYlNnYmJFcnVYMk41TEZiUzZFdkdFVm9MWE3SAbABQVVfeXFMTWhvRVFJQTd6ck1JdkhLOURtejlrN1RoU0J6a0kyYk0yRnM2SHNBTFBFX2NqdW1Ndm9oR3c1bWxWQW9aS21RY01PdThGb0xDZUQ3QUFVcV9UdUdJamFQLVJ0VWNrSEZBM3ZUaW9vaHZWd3RYcTlzbExGQ2FQaFVkNC0xZjJ2QkFSZDlkWlFYTmdrUWowdXlDYmRTVlZ2YVdZTTJpbzAyT0dMQklncXVfWk0?oc=5) · fox13news.com
- 2021-07-09 [Bomb threat called in to Toledo credit union on Thursday morning - 13abc.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxORFVYajdUQ2wzVV9sSFd0LUt0UEttOWxKWG9MRGphcmFYXzBrUlhqQm00S3dZZVNsZElXb0l3ek56MVdLU2puUXdKczRSQmpNc0VHWjNlTXBUa2lDUm9tMFZHM2tVaEtGbjBGWDJQVVFMbENMcEMwOFAxVWJGc1RvTXZoNWZNYUVHUjB2dndrQTNReU3SAacBQVVfeXFMUHNHaFFnMmxMQjNKN1VmczZZOTZOUWFmM3Y2OTZiQ1BYbk1ickdkUE9DVVZReEloWFZzUUZ4MGRrZkFWakhieU53YnpXTS1WVE5zVVpabjFKbXMtblRNZmdHeDZ6SzJIM3c2djRvTVd4S3doS25leS1KNzBiWU0zaVZUN09ucE1uejJlTWQ1WThxNFlxY0JYdS1HaUJxVWFsUXdWZGlKbGM?oc=5) · 13abc.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3720 (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/8.json (key "3720", 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=3720
- 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