Federal credit union · Massillon, Ohio · NCUA charter #96652
540 I.B.E.W.
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $1.4M
- Total assets
- 430
- Members
- 12.2%
- Net-worth ratio
540 I.B.E.W. scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.4M; members 430; net-worth ratio 12.18%; health rank #3,533 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,533 of 4,374 health · 2025Q4540 I.B.E.W. · health 71/100 · $1.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
540 I.B.E.W. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 540 I.B.E.W. sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
540 I.B.E.W. vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +21.64 pp (74.34% vs 52.70%).
- Widest shortfall vs peers is Net Worth Ratio: -10.75 pp (12.18% vs 22.93%).
Where 540 I.B.E.W. sits in Ohio
- Health composite ranks #163 of 196 among scored Ohio credit unions.
- Assets rank #189 of 196 inside Ohio ($1.4M reported).
- Member book place in Ohio: #187 of 196.
- One place up in Ohio, Columbiana County School Empl (#162) ties at 71/100; one place down, WES (#164) ties at 71/100.
Quarter path for 540 I.B.E.W.
540 I.B.E.W.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.0% from $1.4M (2025Q4) to $1.4M (2026Q1).
- Net-worth ratio shifted +0.60 pp (11.58% → 12.18%).
This credit union's 12.18% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
540 I.B.E.W. gives up 29 points in total. Delinquency Rate costs the most, 23.5 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.5 pts
- Return on Assets 14.4 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.18% | -10.75 pp |
| Delinquency Rate | 3.77% | -0.71 pp |
| Return on Assets | 0.46% | +0.24 pp |
| Member Growth | 1.18% | - |
| Loan-to-Share Ratio | 74.34% | +21.64 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - 540 I.B.E.W.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.4M | - |
| 2025Q4 | $1.4M | 430 |
| 2024Q4 | $1.4M | 425 |
| 2023Q4 | $1.3M | 425 |
Credit Union Details
- Charter Number
- 96652
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Ohio
- City
- Massillon
- Data Quarter
- 2025Q4
Branch Location
540 I.B.E.W. operates a single office in Massillon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Massillon, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near 540 I.B.E.W.
Using this data
- 540 I.B.E.W. ranks #3,533 of 4,374 nationally on financial health and #163 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ibew 141 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ibew 141
Frequently Asked Questions
Is 540 I.B.E.W. financially healthy?
On its 2025Q4 NCUA 5300 filing, 540 I.B.E.W. scores 71/100 (Very Good), with a 12.18% net worth ratio and 3.77% of loans delinquent. It ranks #3,533 of 4,374 nationally on health and #163 of 196 in Ohio.
How does 540 I.B.E.W. compare to other credit unions?
540 I.B.E.W. scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (74.34% vs 52.70%). Its widest shortfall is net worth ratio (12.18% vs 22.93%).
How can I join 540 I.B.E.W.?
Membership eligibility for 540 I.B.E.W. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 540 I.B.E.W. directly for current membership requirements and application steps.
Is my money safe at 540 I.B.E.W.?
540 I.B.E.W. is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 540 I.B.E.W.'s net worth ratio of 12.18% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.