TellerScore

Promedica Federal Credit Union is a federal credit union headquartered in Toledo, Ohio, in business for about 53 years. At the end of Q2 2026 it reported $60.2M in total assets and $51.3M in member shares and deposits, with 4 offices.

Promedica Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 139th. Funding & liquidity contributes the most (100/100, 59% loans-to-deposits, 1% uninsured); earnings contributes the least (16/100, -0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.18%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings16/100
Return on assets (annualized): -0.09%
Funding & liquidity100/100
Loans ÷ shares: 59.4% · 0.7% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.75%

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 3 points (59 → 62), mostly because the loan quality component improved by 12 points.

TellerScore
596469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202469
Q4 202469
Q1 202561
Q2 202559
Q3 202561
Q4 202563
Q1 202662
Q2 202662
Net worth ratio
7.00%8.72%10.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.46%
Q3 202410.06%
Q4 202410.27%
Q1 202510.05%
Q2 20259.87%
Q3 202510.32%
Q4 202510.44%
Q1 202610.03%
Q2 202610.18%
Delinquent loans (60+ days)
0.10%0.61%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.10%
Q4 20240.26%
Q1 20251.00%
Q2 20251.12%
Q3 20251.06%
Q4 20250.96%
Q1 20260.80%
Q2 20260.75%
Return on assets
-0.09%0.05%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.14%
Q4 20240.20%
Q1 20250.11%
Q2 20250.05%
Q3 20250.13%
Q4 20250.18%
Q1 20260.08%
Q2 2026-0.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$60.2M10.18%0.75%-0.09%59.4%
Q1 202662$61.5M10.03%0.80%0.08%56.7%
Q4 202563$59.4M10.44%0.96%0.18%60.1%
Q3 202561$59.6M10.32%1.06%0.13%60.4%
Q2 202559$62.1M9.87%1.12%0.05%56.5%
Q1 202561$60.8M10.05%1.00%0.11%58.1%
Q4 202469$59.7M10.27%0.26%0.20%61.3%
Q3 202469$60.3M10.06%0.10%0.14%60.7%
Q2 202466$63.9M9.46%0.22%0.11%57.3%

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).

Capital ratio10.18%
18th
Problem loans0.75%
48th
Net charge-offs0.44%
30th
Return on assets-0.09%
17th
Loans to deposits59.4%
49th
Uninsured deposits0.7%
57th
Loan-loss reserves0.00%
37th
Texas ratio3.7%
37th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Falls Catholic Credit UnionCredit union Cuyahoga Falls, OH80 out of 100, Strong$60.2M17.4%1.19%vs
Summit Federal Credit UnionCredit union Akron, OH86 out of 100, Very strong$59.2M15.6%0.56%vs
Topmark Federal Credit UnionCredit union Cridersville, OH56 out of 100, Moderate$62.6M10.2%1.60%vs
Toledo Police Federal Credit UnionCredit union Toledo, OH43 out of 100, Below average$56.6M9.4%3.81%vs
Toledo Metro Federal Credit UnionCredit union Toledo, OH65 out of 100, Moderate$64.1M8.8%0.43%vs
St. Josephs Canton Parish Federal Credit UnionCredit union Canton, OH78 out of 100, Strong$65.1M11.3%0.36%vs

Deposit insurance

Is my money safe at Promedica Federal Credit Union?

Yes. Promedica Federal Credit Union is a federally insured credit union (NCUA charter #21226). 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 0.7% of shares and deposits ($334K) 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 10.18%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Promedica Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Promedica Federal Credit Union
Type
Federal credit union
NCUA charter #
21226
RSSD ID
651082
Primary regulator
NCUA
Established
1973
Headquarters
245 N Summit St, Toledo, OH 43604
Employees
20

Quick answers

Promedica Federal Credit Union: common questions

Is Promedica Federal Credit Union NCUA insured?

Yes. Promedica Federal Credit Union is a federally insured credit union (NCUA charter #21226). 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 Promedica Federal Credit Union's TellerScore?

62 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 Promedica Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
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Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Parish Federal Credit UnionCredit union Toledo, OH87 out of 100, Very strong$24.0M11.8%0.06%vs