Nueva Esperanza Community Credit Union is a federally insured state-chartered credit union headquartered in Toledo, Ohio, in business for about 16 years. At the end of Q2 2026 it reported $4.5M in total assets and $2.2M in member shares and deposits, with 2 offices.
Nueva Esperanza Community Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 114th. Capital cushion contributes the most (100/100, 47.80%); loan quality contributes the least (7/100, 2.79%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (57 → 68), mostly because the earnings component improved by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 46 |
| Q4 2024 | 46 |
| Q1 2025 | 54 |
| Q2 2025 | 57 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 77 |
| Q2 2026 | 68 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 45.53% |
| Q3 2024 | 45.41% |
| Q4 2024 | 45.73% |
| Q1 2025 | 45.74% |
| Q2 2025 | 45.22% |
| Q3 2025 | 46.59% |
| Q4 2025 | 47.45% |
| Q1 2026 | 47.84% |
| Q2 2026 | 47.80% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 5.61% |
| Q3 2024 | 7.51% |
| Q4 2024 | 6.84% |
| Q1 2025 | 5.54% |
| Q2 2025 | 5.95% |
| Q3 2025 | 5.95% |
| Q4 2025 | 5.14% |
| Q1 2026 | 1.82% |
| Q2 2026 | 2.79% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.05% |
| Q3 2024 | -0.94% |
| Q4 2024 | -0.57% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.93% |
| Q3 2025 | 1.78% |
| Q4 2025 | 1.79% |
| Q1 2026 | 2.00% |
| Q2 2026 | 1.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $4.5M | 47.80% | 2.79% | 1.86% | 117.4% |
| Q1 2026 | 77 | $4.4M | 47.84% | 1.82% | 2.00% | 124.7% |
| Q4 2025 | 65 | $4.4M | 47.45% | 5.14% | 1.79% | 134.9% |
| Q3 2025 | 64 | $4.4M | 46.59% | 5.95% | 1.78% | 136.7% |
| Q2 2025 | 57 | $4.5M | 45.22% | 5.95% | 0.93% | 129.8% |
| Q1 2025 | 54 | $4.4M | 45.74% | 5.54% | 0.42% | 128.0% |
| Q4 2024 | 46 | $4.4M | 45.73% | 6.84% | -0.57% | 115.9% |
| Q3 2024 | 46 | $4.4M | 45.41% | 7.51% | -0.94% | 114.8% |
| Q2 2024 | 46 | $4.4M | 45.53% | 5.61% | -1.05% | 116.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| McDonald Community Federal Credit UnionCredit union Mc Donald, OH | 79 out of 100, Strong | $4.4M | 12.5% | 0.00% | vs |
| W T Community Federal Credit UnionCredit union Cincinnati, OH | 66 out of 100, Moderate | $4.6M | 9.8% | 0.09% | vs |
| Nickel Steel Federal Credit UnionCredit union Lima, OH | 76 out of 100, Strong | $5.2M | 33.1% | 0.42% | vs |
| Christo Rey Federal Credit UnionCredit union Ney, OH | 71 out of 100, Strong | $3.6M | 8.9% | 0.00% | vs |
| U.P.S. Credit UnionCredit union Cincinnati, OH | 49 out of 100, Below average | $3.1M | 13.2% | 2.77% | vs |
| S and J School Employees Federal Credit UnionCredit union Wintersville, OH | 45 out of 100, Below average | $3.1M | 10.9% | 3.16% | vs |
Deposit insurance
Is my money safe at Nueva Esperanza Community Credit Union?
Yes. Nueva Esperanza Community Credit Union is a federally insured credit union (NCUA charter #68603). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 47.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Nueva Esperanza Community Credit Union lists 2 offices in 2 cities. Most locations:
- Sylvania, OH (1)
- Toledo, OH (1)
Identity & history
Profile
- Legal name
- Nueva Esperanza Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68603
- RSSD ID
- 4197074
- Primary regulator
- State + NCUA
- Established
- 2010
- Headquarters
- PO Box 9875, Toledo, OH 43697
- Employees
- 3
Quick answers
Nueva Esperanza Community Credit Union: common questions
Is Nueva Esperanza Community Credit Union NCUA insured?
Yes. Nueva Esperanza Community Credit Union is a federally insured credit union (NCUA charter #68603). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Nueva Esperanza Community Credit Union's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Nueva Esperanza Community Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Toledo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eight Federal Credit UnionCredit union Rossford, OH | 96 out of 100, Very strong | $25.3M | 14.8% | 0.02% | vs |
| Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH | 95 out of 100, Very strong | $45.5M | 17.8% | 0.34% | vs |
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| First Federal Savings and Loan AssociationBank Delta, OH | 93 out of 100, Very strong | $246.0M | 16.5% | 0.00% | vs |
| Tlc Community Credit UnionCredit union Adrian, MI | 90 out of 100, Very strong | $950.2M | 14.5% | 0.14% | vs |
| Parish Federal Credit UnionCredit union Toledo, OH | 87 out of 100, Very strong | $24.0M | 11.8% | 0.06% | vs |