TellerScore

Headquartered in Toledo, Ohio, University of Toledo Federal Credit Union is a federal credit union with $99.7M in total assets and $88.0M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1964.

University of Toledo Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 69th. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 11% uninsured); earnings contributes the least (55/100, 0.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.30%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity100/100
Loans ÷ shares: 46.0% · 10.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.97%

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 21 points (56 → 77), mostly because the loan quality component improved by 58 points.

TellerScore
566777Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202467
Q4 202468
Q1 202570
Q2 202556
Q3 202560
Q4 202577
Q1 202675
Q2 202677
Net worth ratio
7.00%9.15%11.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.56%
Q3 202410.72%
Q4 202410.51%
Q1 202510.31%
Q2 202510.21%
Q3 202510.65%
Q4 202510.91%
Q1 202610.95%
Q2 202611.30%
Delinquent loans (60+ days)
0.21%1.17%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.63%
Q4 20240.48%
Q1 20250.58%
Q2 20252.02%
Q3 20252.13%
Q4 20250.35%
Q1 20260.33%
Q2 20260.27%
Return on assets
0.09%0.55%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.09%
Q3 20240.22%
Q4 20240.23%
Q1 20250.70%
Q2 20250.61%
Q3 20250.98%
Q4 20251.01%
Q1 20260.79%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$99.7M11.30%0.27%0.88%46.0%
Q1 202675$100.6M10.95%0.33%0.79%45.1%
Q4 202577$99.2M10.91%0.35%1.01%44.0%
Q3 202560$99.0M10.65%2.13%0.98%44.0%
Q2 202556$99.2M10.21%2.02%0.61%43.5%
Q1 202570$97.0M10.31%0.58%0.70%43.1%
Q4 202468$93.4M10.51%0.48%0.23%44.8%
Q3 202467$91.0M10.72%0.63%0.22%45.0%
Q2 202470$91.3M10.56%0.21%0.09%43.5%

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 ratio11.30%
26th
Problem loans0.27%
70th
Net charge-offs0.25%
43rd
Return on assets0.88%
62nd
Loans to deposits46.0%
70th
Uninsured deposits10.7%
6th
Loan-loss reserves0.00%
37th
Texas ratio1.0%
66th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Community First Credit UnionCredit union Ashtabula, OH77 out of 100, Strong$99.8M14.0%1.69%vs
Unity Catholic Federal Credit UnionCredit union Parma, OH58 out of 100, Moderate$98.0M9.1%0.98%vs
Christian Family Credit UnionCredit union North Canton, OH79 out of 100, Strong$93.2M13.5%0.38%vs
State Highway Patrol Federal Credit UnionCredit union Columbus, OH88 out of 100, Very strong$92.2M13.5%0.06%vs
Dynamic Federal Credit UnionCredit union Celina, OH95 out of 100, Very strong$83.4M19.8%0.37%vs
Your Legacy Federal Credit UnionCredit union Tiffin, OH64 out of 100, Moderate$79.1M10.2%1.06%vs

Deposit insurance

Is my money safe at University of Toledo Federal Credit Union?

Yes. University of Toledo Federal Credit Union is a federally insured credit union (NCUA charter #16174). 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 10.7% of shares and deposits ($9.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

University of Toledo Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
University of Toledo Federal Credit Union
Type
Federal credit union
NCUA charter #
16174
RSSD ID
944083
Primary regulator
NCUA
Established
1964
Headquarters
5248 Hill Ave, Toledo, OH 43615
Employees
17

Quick answers

University of Toledo Federal Credit Union: common questions

Is University of Toledo Federal Credit Union NCUA insured?

Yes. University of Toledo Federal Credit Union is a federally insured credit union (NCUA charter #16174). 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 University of Toledo Federal Credit Union's TellerScore?

77 out of 100 (Strong), 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 University of Toledo Federal Credit Union have?

3 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