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University of Toledo

Toledo, OH · Charter 16174

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Toledo, OH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Toledo, OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

69

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

University of Toledo

Toledo, OH · Charter 16174

NCUA · 3 branches

Q2 2026

$99.7MAssets
$40.5MLoans
$88.0MShares
$11.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, up 27 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.27% of loans (-175 bps YoY).
  • Capital: net worth / assets of 11.30%, up 110 bps from a year ago.
  • Funding: loans stand at 46.01% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.88%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+35 bps YoY

Efficiency Ratio (YTD, annualized)

73.82%-737 bps YoY

Net Worth / Assets

11.30%+110 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.23%0.70%0.61%0.98%1.01%0.79%0.88%+27 bps
Return on Equity2.07%2.20%6.82%5.96%9.17%9.27%7.19%7.79%+183 bps
Net Interest Margin2.52%2.54%3.06%3.05%3.16%3.25%3.21%3.40%+35 bps
Efficiency Ratio90.29%89.21%79.36%81.19%72.68%71.96%73.94%73.82%-737 bps
Growth
Asset Growth (YoY)-2.16%-0.11%5.90%8.60%8.87%6.16%3.80%0.49%-812 bps
Loan Growth (YoY)7.83%5.96%8.07%9.13%6.44%3.96%8.01%4.97%-416 bps
Share Growth (YoY)-2.02%0.34%6.19%9.09%8.98%5.81%3.21%-0.66%-974 bps
Asset Quality
Delinquent Loans / Loans0.63%0.48%0.58%2.02%2.13%0.35%0.33%0.27%-175 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.72%10.51%10.31%10.21%10.65%10.91%10.95%11.30%+110 bps
Net Worth / Assets10.72%10.51%10.31%10.21%10.65%10.91%10.95%11.30%+110 bps
Liquidity & Funding
Loans / Shares45.02%44.75%43.12%43.54%43.97%43.97%45.13%46.01%+247 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

University of Toledo

Toledo, OH · Charter 16174 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)

NCUA · 3 branches

Q2 2026

$99.7MAssets
$40.5MLoans
$88.0MShares
$11.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets in the Toledo, OH area (rank 5 of 16).
  • Widest gap: net interest margin trails 69% of credit unions under $1B in assets in the Toledo, OH area (rank 11 of 16).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.88%

Rank 6 of 16

Net Interest Margin

3.40%

Rank 11 of 16

Efficiency Ratio

73.85%

Rank 6 of 16

Equity / Assets

11.30%

Rank 9 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.88%0.42%0.79%1.25%Beats 63%6 / 16
Return on Equity7.80%4.46%6.21%8.07%Beats 69%5 / 16
Net Interest Margin3.40%3.36%3.61%4.01%Beats 31%11 / 16
Efficiency Ratio73.85%73.52%82.33%89.54%Beats 69%6 / 16
Asset Quality
Nonperforming Loans / Loans0.27%0.27%0.89%1.78%Beats 75%5 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.30%10.18%11.33%14.76%Beats 44%9 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.30%10.18%11.33%14.76%Beats 44%9 / 16
Liquidity & Funding
Loans / Deposits46.01%46.01%53.43%81.29%25th pctl12 / 16
Loans / Assets40.62%40.62%46.48%59.08%25th pctl12 / 16
Brokered Deposits / Depositsn/aNot reported for this institution