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
- ASSETS 71/100
- MEM 12.2%
- RANK 3.77%
- PHOTO 0.46%
- BOOK $1.4M
- CHARTER 430
- NCUSIF #3,533/4,374
- CAMELS n/a
- HEALTH 96652
Call Report peers
540 I.B.E.W. carries $1.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
540 I.B.E.W. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #96652 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for 540 I.B.E.W.
540 I.B.E.W.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.0% from $1.4M (2025Q4) to $1.4M (2026Q1).
- Net-worth ratio shifted +0.60 pp (11.58% → 12.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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.
Two NCUA Call Report peer sets for 540 I.B.E.W., both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 540 I.B.E.W. financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - 540 I.B.E.W.'s financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,533 of 4,374; by total assets it ranks #4,187 of 4,374 nationally (same basis as /rankings/largest); and #189 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.18% net worth ratio and 3.77% delinquency rate are the key drivers.
How does 540 I.B.E.W. compare to other credit unions?
Five weighted metrics from NCUA filings produce 540 I.B.E.W.'s 71/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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.?
Federal credit unions like 540 I.B.E.W. are 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."
What rates does 540 I.B.E.W. offer compared to banks?
Credit unions like 540 I.B.E.W. are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 540 I.B.E.W. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.