# TOLEDO POSTAL EMPLOYEES
TOLEDO, OH · NCUA charter 63621 · asset band <$50M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/toledo-postal-employees-63621

Who the members are: state charter, organized 1932. 985 members of 5,000 potential (19.7% of the field); checking penetration 14% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *too clean*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.9M |
| Members | 985 (-14.6% YoY) |
| Full-time staff | 2 |
| Net worth | $879,201 |
| Net worth ratio | 22.7% (p89 of band) |
| ROA (annualized) | -1.14% (p5 of band) |
| Total delinquency | 0.00% (p6 of band) |
| Net charge-offs (annualized) | 0.56% (p71 of band) |
| Loans / shares | 39% (p20 of band) |
| Cash / assets | 16.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.21% (p49 of band) |
| Operating expense / assets | 5.19% (p87 of band) |
| Vehicles % of loans | 69% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.39% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 9% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 8% |
| Average share balance | $2,277 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,277 |
| Loans granted, annualized | $214,468 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 3 | net worth falling | delinquency 2x band |
| 2017-03 | 2 |  | net worth falling |
| 2017-06 | 3 | members leaving |  |
| 2017-09 | 4 | assets shrinking |  |
| 2017-12 | 5 | delinquency rising |  |
| 2018-03 | 4 |  | delinquency rising |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | loan book shrinking |  |

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

- 2017-03-25 [Wayne W Bacon Obituary Mar 25, 2017 - Walker Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5WOUhLdElVLTFydS02REVVb09iM1lOVGU2TU1IN1JIWjlNSkp3VFRsaVVsLXkyOUNFSTQ4QkZzTmNMMDNyRGRLdjlUcDBkYklwMGxPRHRnVEFjWW54VmdYNVlqR2xHTE90?oc=5) · Walker Funeral Homes &amp; Crematory
- 2024-08-18 [Thomas Keister Obituary (2024) - Toledo, OH - The Blade - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOc0RtUDBkYkh4cVp1TFNqMC1YanhJRTRzcFZrUWp5czRrZ01lVjdURXUyZVZtYnBJalVJMWpVREJUSy1ZSTZ3ZXoxcG1BWC1NandfSXgyZm80N2VOSWtWbGdmWWQzX2lPS1Vqc3dNSXYtRS1GU0JYa0RKMGdVZFkwX1JqTkVkV2hsQ3l5Z0FvUDRLSEE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63621 (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/5.json (key "63621", 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=63621
- 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