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
Call Report peers
BMI in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); BMI sits in 95-99 with 391 others.
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
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).
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.
- One place up in Ohio, Kemba Financial (#7) ties at 97/100; one place down, Associated School Employees (#9) ties at 97/100.
BMI: 2025Q4 → 2026Q1
BMI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $723.8M (2025Q4) to $730.7M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.14% → 10.20%).
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
BMI gives up 3 points in total. Member Growth costs the most, 3.3 of its 15; Delinquency Rate and Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is BMI financially healthy?
BMI has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #204 of 4,374 nationally on health and #8 of 196 in Ohio. Its net worth ratio is 10.20% and its delinquency rate 0.50%.
How does BMI compare to other credit unions?
BMI scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.75% vs 83.90%). Its widest shortfall is net worth ratio (10.20% vs 11.18%).
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?
BMI 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. BMI's net worth ratio of 10.20% 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.