Side-by-side · Q2 2026 data
Your Legacy Federal Credit Union vs University of Toledo Federal Credit Union
Credit union
University of Toledo Federal Credit Union
Toledo, Ohio · Under $100 million in assets
Metric by metric
| Measure | Your Legacy Federal Credit Union | University of Toledo Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 77 (stronger) |
| Capital cushion | 52 | 63 (stronger) |
| Loan quality | 65 | 91 (stronger) |
| Earnings | 43 | 55 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 28th | 57th |
| Total assets | $79.1M | $99.7M |
| Deposits / shares | $72.4M | $88.0M |
| Capital ratio | 10.21% | 11.30% (stronger) |
| Problem loans | 1.06% | 0.27% (stronger) |
| Net charge-offs | 1.89% | 0.25% (stronger) |
| Return on assets | 0.58% | 0.88% (stronger) |
| Loans ÷ deposits | 62.0% | 46.0% (stronger) |
| Uninsured deposits | 5.0% (stronger) | 10.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
University of Toledo Federal Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Your Legacy Federal Credit Union leads on 1 and University of Toledo Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.