Side-by-side · Q2 2026 data
University of Toledo Federal Credit Union vs Tlc Community Credit Union
Credit union
University of Toledo Federal Credit Union
Toledo, Ohio · Under $100 million in assets
Metric by metric
| Measure | University of Toledo Federal Credit Union | Tlc Community Credit Union |
|---|---|---|
| TellerScore | 77 | 90 (stronger) |
| Capital cushion | 63 | 95 (stronger) |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 55 | 66 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 57th | 95th |
| Total assets | $99.7M | $950.2M |
| Deposits / shares | $88.0M | $746.7M |
| Capital ratio | 11.30% | 14.48% (stronger) |
| Problem loans | 0.27% | 0.14% (stronger) |
| Net charge-offs | 0.25% | 0.13% (stronger) |
| Return on assets | 0.88% | 1.15% (stronger) |
| Loans ÷ deposits | 46.0% (stronger) | 60.5% |
| Uninsured deposits | 10.7% | 6.3% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.5% |
Tlc Community Credit Union has the higher TellerScore (90 vs 77). On the 7 directional measures above (where higher or lower is clearly better), University of Toledo Federal Credit Union leads on 1 and Tlc Community Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.