State credit union · Dayton, Ohio · NCUA charter #66840
CODE
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $174.7M
- Total assets
- 13,127
- Members
- 12.0%
- Net-worth ratio
CODE scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $174.7M; members 13,127; net-worth ratio 11.96%; health rank #1,112 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,112 of 4,374 health · 2025Q4CODE · health 90/100 · $174.7M · 2025Q4
Call Report peers
CODE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CODE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CODE sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
CODE vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.06 pp (0.83% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.68 pp (66.52% vs 72.20%).
CODE in Ohio
- Ohio health ordinal: #46 of 196.
- Ohio assets place: #54 of 196.
- Membership ranks #55 of 196 among Ohio CUs with a reported count (13,127 members).
- One place up in Ohio, Cleveland Police (#45) ties at 90/100; one place down, KEMBA (#47) ties at 90/100.
Quarter path for CODE
CODE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $174.7M (2025Q4) to $176.7M (2026Q1).
- Net-worth ratio shifted +0.14 pp (11.82% → 11.96%).
11.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
CODE gives up 10 points in total. Member Growth costs the most, 6.3 of its 15; Return on Assets and Net Worth Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.6 pts
CODE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.96% | -0.15 pp |
| Delinquency Rate | 0.83% | -0.06 pp |
| Return on Assets | 0.50% | -0.13 pp |
| Member Growth | -0.19% | - |
| Loan-to-Share Ratio | 66.52% | -5.68 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CODE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $176.7M | - |
| 2025Q4 | $174.7M | 13,127 |
| 2024Q4 | $163.1M | 13,152 |
| 2023Q4 | $160.8M | 12,445 |
Credit Union Details
- Charter Number
- 66840
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Dayton
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, CODE runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Administrative Office (Main Office) | Dayton, OH |
| Northmont High School Student Run Credit Union | Clayton, OH |
| Dayton | Dayton, OH |
| Stebbins High School Student Run Credit Union | Dayton, OH |
| Englewood | Englewood, 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
Similar total assets
Using this data
- CODE ranks #1,112 of 4,374 nationally on financial health and #46 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOPEWELL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOPEWELL
Frequently Asked Questions
Is CODE financially healthy?
On its 2025Q4 NCUA 5300 filing, CODE scores 90/100 (Excellent), with a 11.96% net worth ratio and 0.83% of loans delinquent. It ranks #1,112 of 4,374 nationally on health and #46 of 196 in Ohio.
How does CODE compare to other credit unions?
CODE scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.83% vs 0.89%). Its widest shortfall is loan-to-share ratio (66.52% vs 72.20%).
How can I join CODE?
Membership eligibility for CODE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CODE directly for current membership requirements and application steps.
Is my money safe at CODE?
CODE is a state-chartered 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. CODE's net worth ratio of 11.96% 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.