Federal credit union · Dublin, Ohio · NCUA charter #1199
BMI
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $723.8M
- Total assets
- 46,820
- Members
- 10.2%
- Net-worth ratio
BMI scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $723.8M; members 46,820; net-worth ratio 10.20%; health rank #204 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#204 of 4,374 health · 2025Q4BMI · health 97/100 · $723.8M · 2025Q4
- BOOK 97/100
- CHARTER 10.2%
- NCUSIF 0.50%
- CAMELS 1.01%
- HEALTH $723.8M
- NW 46,820
- DELQ #204/4,374
- ROA PRIMEWAY
- ASSETS 1199
Call Report peers
BMI in the assets neighbourhood
BMI's $723.8M assets sit next to PRIMEWAY ($724.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BMI 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
97 Top 5% higher than 95% 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
BMI - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1199: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where BMI diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 86.75% vs peer 83.90% (+2.85 pp).
- Largest lag: Net Worth Ratio at 10.20% vs peer 11.18% (-0.98 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for BMI
- Health composite ranks #8 of 196 among scored Ohio credit unions.
- By total assets, BMI is #14 of 196 in Ohio.
- Ohio membership ordinal: #13 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.
BMI: 2025Q4 → 2026Q1
BMI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $723.8M (2025Q4) to $730.7M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.14% → 10.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 15.3 pts
BMI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.20% | -0.98 pp |
| Delinquency Rate | 0.50% | -0.37 pp |
| Return on Assets | 1.01% | +0.50 pp |
| Member Growth | 2.23% | - |
| Loan-to-Share Ratio | 86.75% | +2.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $730.7M | - |
| 2025Q4 | $723.8M | 46,820 |
| 2024Q4 | $720.3M | 45,797 |
| 2023Q4 | $703.3M | 45,224 |
Credit Union Details
- Charter Number
- 1199
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Ohio
- City
- Dublin
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, BMI runs 6 offices in 3 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Dublin, OH |
| Kinnear Branch | Columbus, OH |
| Battelle Branch | Columbus, OH |
| Bethel Branch | Columbus, OH |
| Dublin Branch | Dublin, OH |
| Westerville Branch | Westerville, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for BMI - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($723.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- BMI ranks #204 of 4,374 nationally on financial health and #8 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SHAREFAX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SHAREFAX
- 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 BMI financially healthy?
A 10.20% net worth ratio and a 0.50% delinquency rate feed into BMI's financial health score of 97/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #204 of 4,374; by total assets it ranks #599 of 4,374 nationally (same basis as /rankings/largest); and #14 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does BMI compare to other credit unions?
Five weighted metrics from NCUA filings produce BMI's 97/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 BMI?
BMI operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact BMI directly for the exact boundaries and application steps.
Is my money safe at BMI?
Federal credit unions like BMI 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. BMI's net worth ratio of 10.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BMI offer compared to banks?
Credit unions like BMI 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 BMI 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.