Nueva Esperanza Community
Toledo, OH · Charter 68603 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)
NCUA · 1 branch
Q2 2026
$4.5MAssets
$2.6MLoans
$2.2MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets in the Toledo, OH area (rank 1 of 16).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets in the Toledo, OH area (rank 14 of 16).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.88%
Rank 1 of 16
Net Interest Margin
4.89%
Rank 1 of 16
Efficiency Ratio
66.49%
Rank 2 of 16
Equity / Assets
47.79%
Rank 1 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | 0.42% | 0.79% | 1.25% | Beats 94% | 1 / 16 | | |
| Return on Equity | 3.94% | 4.46% | 6.21% | 8.07% | Beats 19% | 13 / 16 | | |
| Net Interest Margin | 4.89% | 3.36% | 3.61% | 4.01% | Beats 94% | 1 / 16 | | |
| Efficiency Ratio | 66.49% | 73.52% | 82.33% | 89.54% | Beats 94% | 2 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.80% | 0.27% | 0.89% | 1.78% | Beats 19% | 14 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 47.79% | 10.18% | 11.33% | 14.76% | Beats 94% | 1 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 47.79% | 10.18% | 11.33% | 14.76% | Beats 94% | 1 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 117.43% | 46.01% | 53.43% | 81.29% | 94th pctl | 1 / 16 | | |
| Loans / Assets | 57.70% | 40.62% | 46.48% | 59.08% | 69th pctl | 5 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |