Side-by-side · Q2 2026 data
Local Union 392 Federal Credit Union vs Toledo Urban Federal Credit Union
Credit union
Local Union 392 Federal Credit Union
Cincinnati, Ohio · Under $100 million in assets
Credit union
Toledo Urban Federal Credit Union
Toledo, Ohio · Under $100 million in assets
Metric by metric
| Measure | Local Union 392 Federal Credit Union | Toledo Urban Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 42 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 30 | 41 (stronger) |
| Earnings | 74 (stronger) | 0 |
| Funding & liquidity | 95 (stronger) | 70 |
| Problem-loan coverage | 86 (stronger) | 71 |
| Peer percentile | 52nd | 4th |
| Total assets | $17.5M | $18.0M |
| Deposits / shares | $14.7M | $16.1M |
| Capital ratio | 15.87% (stronger) | 9.83% |
| Problem loans | 2.09% | 1.78% (stronger) |
| Net charge-offs | 0.38% (stronger) | 1.15% |
| Return on assets | 1.35% (stronger) | -1.76% |
| Loans ÷ deposits | 65.5% (stronger) | 90.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local Union 392 Federal Credit Union has the higher TellerScore (75 vs 42). On the 6 directional measures above (where higher or lower is clearly better), Local Union 392 Federal Credit Union leads on 5 and Toledo Urban Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.