TellerScore

Headquartered in Toledo, Ohio, Toledo Urban Federal Credit Union is a federal credit union with $18.0M in total assets and $16.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1996.

Based on its Q2 2026 filing, Toledo Urban Federal Credit Union scores 42/100, which we describe as below average. That is higher than only 4% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 189th. Its strongest component is problem-loan coverage (71/100; 14.7%), and its lowest is earnings (0/100; -1.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.83%
Loan quality41/100
Loans 60+ days delinquent ÷ total loans: 1.78%
Earnings0/100
Return on assets (annualized): -1.76%
Funding & liquidity70/100
Loans ÷ shares: 90.5% · 0.0% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.66%

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 fell 4 points (46 → 42), mostly because the capital cushion component weakened by 51 points.

TellerScore
364758Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202436
Q3 202447
Q4 202446
Q1 202558
Q2 202546
Q3 202544
Q4 202537
Q1 202642
Q2 202642
Net worth ratio
7.00%12.68%18.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.41%
Q3 202418.36%
Q4 202417.89%
Q1 202516.09%
Q2 202514.95%
Q3 202514.25%
Q4 202512.01%
Q1 202611.17%
Q2 20269.83%
Delinquent loans (60+ days)
1.78%3.22%4.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.56%
Q3 20243.03%
Q4 20243.62%
Q1 20253.13%
Q2 20254.65%
Q3 20253.57%
Q4 20253.47%
Q1 20262.27%
Q2 20261.78%
Return on assets
-4.14%-1.71%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-3.75%
Q3 2024-3.19%
Q4 2024-3.27%
Q1 20250.73%
Q2 2025-1.96%
Q3 2025-3.13%
Q4 2025-4.14%
Q1 2026-0.69%
Q2 2026-1.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$18.0M9.83%1.78%-1.76%90.5%
Q1 202642$17.0M11.17%2.27%-0.69%87.3%
Q4 202537$16.8M12.01%3.47%-4.14%89.7%
Q3 202544$16.5M14.25%3.57%-3.13%92.5%
Q2 202546$17.2M14.95%4.65%-1.96%89.8%
Q1 202558$17.2M16.09%3.13%0.73%88.5%
Q4 202446$16.4M17.89%3.62%-3.27%96.8%
Q3 202447$16.7M18.36%3.03%-3.19%94.5%
Q2 202436$16.1M10.41%2.56%-3.75%96.5%

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 ratio9.83%
15th
Problem loans1.78%
24th
Net charge-offs1.15%
12th
Return on assets-1.76%
4th
Loans to deposits90.5%
9th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio14.7%
7th

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Holy Family Parma Federal Credit UnionCredit union Parma, OH60 out of 100, Moderate$16.8M19.5%5.49%vs
Cincinnati Healthcare Associates Federal Credit UnionCredit union Cincinnati, OH87 out of 100, Very strong$19.2M15.3%0.67%vs

Deposit insurance

Is my money safe at Toledo Urban Federal Credit Union?

Yes. Toledo Urban Federal Credit Union is a federally insured credit union (NCUA charter #24578). 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 9.83%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Toledo Urban Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Toledo Urban Federal Credit Union
Type
Federal credit union
NCUA charter #
24578
RSSD ID
2489449
Primary regulator
NCUA
Established
1996
Headquarters
1441 Dorr St, Toledo, OH 43607
Employees
13

Quick answers

Toledo Urban Federal Credit Union: common questions

Is Toledo Urban Federal Credit Union NCUA insured?

Yes. Toledo Urban Federal Credit Union is a federally insured credit union (NCUA charter #24578). 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 Toledo Urban Federal Credit Union's TellerScore?

42 out of 100 (Below average), 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 Toledo Urban Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Toledo

InstitutionScoreAssetsCapitalProblem loansCompare
Eight Federal Credit UnionCredit union Rossford, OH96 out of 100, Very strong$25.3M14.8%0.02%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
First Federal Savings and Loan AssociationBank Delta, OH93 out of 100, Very strong$246.0M16.5%0.00%vs
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