# TOLEDO METRO
TOLEDO, OH · NCUA charter 9189 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/toledo-metro-9189

Who the members are: federal charter, community charter, organized 1954, low-income designated. 4,864 members of 431,279 potential (1.1% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 238.

**Verdict on the desk:** this could be *auto monoline*. 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 | $62.4M |
| Members | 4,864 (-2.2% YoY) |
| Full-time staff | 13 |
| Net worth | $5.6M |
| Net worth ratio | 8.9% (p11 of band) |
| ROA (annualized) | 0.42% (p35 of band) |
| Total delinquency | 0.89% (p67 of band) |
| Net charge-offs (annualized) | -0.02% (p10 of band) |
| Loans / shares | 50% (p30 of band) |
| Cash / assets | 13.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p44 of band) |
| Operating expense / assets | 3.89% (p63 of band) |
| Vehicles % of loans | 61% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 248% (p95 of band) |
| Vehicle delinquency | 0.93% (p67 of band) |
| Vehicle NCO | 0.54% (p67 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 19% |
| Average share balance | $5,996 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.4M |
| Loans outstanding per 100 members | 238% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $2,460 |
| Loans granted, annualized | $4.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.4M outstanding purchased (42.5% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 10.9% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 5 | net worth falling, charge-offs p90 |  |
| 2016-12 | 4 |  | net worth falling |
| 2017-03 | 6 | losing money, margin squeeze |  |
| 2017-06 | 8 | net worth falling, delinquency rising |  |
| 2017-09 | 5 |  | margin squeeze, net worth falling, delinquency rising |
| 2017-12 | 5 |  |  |
| 2018-03 | 6 | thin capital |  |
| 2018-06 | 9 | capital below 7%, net worth falling, assets shrinking | delinquency 2x band |
| 2018-09 | 8 |  | net worth falling |
| 2018-12 | 8 |  |  |
| 2019-03 | 5 | loan book shrinking | charge-offs p90, losing money, capital below 7% |
| 2019-06 | 6 | delinquency rising |  |
| 2019-09 | 6 | margin squeeze, members leaving | thin capital, delinquency rising |
| 2019-12 | 7 | delinquency rising |  |
| 2020-03 | 8 | net worth falling, losing money, charge-offs p90 | assets shrinking, delinquency rising |
| 2020-06 | 9 | thin capital |  |
| 2020-09 | 8 |  | net worth falling |
| 2020-12 | 8 |  |  |
| 2021-03 | 8 | net worth falling | charge-offs p90 |
| 2021-06 | 6 |  | losing money, net worth falling |
| 2021-09 | 4 |  | auto monoline, loan book shrinking |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 2 |  | members leaving |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | delinquency rising, auto monoline |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | charge-offs p90 | delinquency rising |
| 2023-06 | 3 |  | charge-offs p90 |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 5 | members leaving |  |
| 2024-03 | 6 | net worth falling |  |
| 2024-06 | 5 | delinquency rising | thin capital, net worth falling |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | assets shrinking |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | thin capital | members leaving |

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

- 2026-02-22 [Nancy Lynn Rybka Obituary Feb 22, 2026 - Newcomer Toledo](https://news.google.com/rss/articles/CBMiY0FVX3lxTFA5MHhLNDJ2S1hTU3hhVlUtd3ZqZXVIelZiLXNNWW8tNnh5N3dpSWNtNFdyOVRRTV9HMnE4WlVqNXlKZjN3Q1JPM2laZkhnQ280ZjZkcVc4cXNWOG9UbE15YTVOaw?oc=5) · Newcomer Toledo
- 2021-07-09 [Bomb threat called in to Toledo credit union on Thursday morning - WTVG](https://news.google.com/rss/articles/CBMikwFBVV95cUxORFVYajdUQ2wzVV9sSFd0LUt0UEttOWxKWG9MRGphcmFYXzBrUlhqQm00S3dZZVNsZElXb0l3ek56MVdLU2puUXdKczRSQmpNc0VHWjNlTXBUa2lDUm9tMFZHM2tVaEtGbjBGWDJQVVFMbENMcEMwOFAxVWJGc1RvTXZoNWZNYUVHUjB2dndrQTNReU3SAacBQVVfeXFMUHNHaFFnMmxMQjNKN1VmczZZOTZOUWFmM3Y2OTZiQ1BYbk1ickdkUE9DVVZReEloWFZzUUZ4MGRrZkFWakhieU53YnpXTS1WVE5zVVpabjFKbXMtblRNZmdHeDZ6SzJIM3c2djRvTVd4S3doS25leS1KNzBiWU0zaVZUN09ucE1uejJlTWQ1WThxNFlxY0JYdS1HaUJxVWFsUXdWZGlKbGM?oc=5) · WTVG
- 2025-02-06 [Women in Business - Toledo City Paper](https://news.google.com/rss/articles/CBMia0FVX3lxTE1iSVFOdHQ3N0NLXzlpT2RQeUdzVmY5Nzl0OVJZSkFiTDhWNTRZeTFENWRMcUFXMVNmRzZiSmIxNFBDQkZCME5neC1tYlVRVVFGVnZSZkNQZEJqQ21fZnJPS0NNSUJLX21qajZR?oc=5) · Toledo City Paper
- 2019-04-01 [Website Inaccessibility: The New Wave of ADA Title III Litigation - The Federalist Society](https://news.google.com/rss/articles/CBMingFBVV95cUxNeDlkRWd1cUtITEVJUzc2dUdIQi1hMklaSjJkQ2RzTmVjby1mN0hkb1prdF81bjVtbmdnMWZtMUF6UXJnNDdydmNGaEM3ZTU2VWd4cUVWZm9kSXd4bE1aaUhqMU1yQk1MbnljbjhLY0xoeFhaTzhoMnhWN0tGS0NzeFFJYjljbGgyRVlpV1lLWGloVGxaSFR6U2h0ZUVqQQ?oc=5) · The Federalist Society
- 2023-11-06 [All the Black-owned banks in America and why you should support them - Face2Face Africa](https://news.google.com/rss/articles/CBMipwFBVV95cUxPek1SYVR4cm5TclNJT0tEQ1MyZ3JUa1hMQTVPU1JxV3B6TXN2bFFZeHVTaTU5ZmVLWFoxb255R2p0WDE1eTlkd2xfU3J6QmZodDRlVHRJdXhhaVI2NkRoR3NuQk9jNjRuVUJudUdFN0o4bjBlbms2UUQyVTg4eUowenEtcEdxMHFnZzVWRFQ2bmw2RzRVRjNWeGFqQ3pfa1FPZVQ4Nzkxdw?oc=5) · Face2Face Africa

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9189 (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/37.json (key "9189", 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=9189
- 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