State credit union · Lisbon, Ohio · NCUA charter #63676
Columbiana County School Empl
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $6.3M
- Total assets
- 848
- Members
- 27.1%
- Net-worth ratio
Columbiana County School Empl scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.3M; members 848; net-worth ratio 27.10%; health rank #3,507 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,507 of 4,374 health · 2025Q4Columbiana County School Em… · health 71/100 · $6.3M · 2025Q4
- BOOK 71/100
- CHARTER 27.1%
- NCUSIF 1.32%
- CAMELS 0.40%
- HEALTH $6.3M
- NW 848
- DELQ #3,507/4,374
- ROA n/a
- ASSETS 63676
Columbiana County School Empl carries $6.3M 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.
Columbiana County School Empl 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
Columbiana County School Empl - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63676: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Columbiana County School Empl: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 27.10% here, 19.06% peer average (+8.04 pp).
- Largest lag: Loan-to-Share Ratio at 48.95% vs peer 63.60% (-14.65 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Columbiana County School Empl sits in Ohio
- In Ohio, health place is #162 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, Columbiana County School Empl is #175 of 196 in Ohio.
- Member book place in Ohio: #171 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 Columbiana County School Empl
Columbiana County School Empl: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $6.3M (2025Q4) to $6.2M (2026Q1).
- Net-worth ratio shifted -0.30 pp (27.40% → 27.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 27.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 17.6 pts
- Return on Assets 13.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.9 pts
Call Report ratios for Columbiana County School Empl
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.10% | +8.04 pp |
| Delinquency Rate | 1.32% | -0.49 pp |
| Return on Assets | 0.40% | -0.05 pp |
| Member Growth | -6.19% | - |
| Loan-to-Share Ratio | 48.95% | -14.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Columbiana County School Em… filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.2M | - |
| 2025Q4 | $6.3M | 848 |
| 2024Q4 | $6.4M | 904 |
| 2023Q4 | $7.6M | 938 |
Credit Union Details
- Charter Number
- 63676
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Lisbon
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Columbiana County School Empl runs 2 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Lisbon, OH |
| Vital Records Center | Lisbon, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Columbiana County School Empl - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Columbiana County School Empl ranks #3,507 of 4,374 nationally on financial health and #162 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. James Parish is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. James Parish
- 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 Columbiana County School Empl financially healthy?
A 27.10% net worth ratio and a 1.32% delinquency rate feed into Columbiana County School Empl's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,507 of 4,374; by total assets it ranks #3,778 of 4,374 nationally (same basis as /rankings/largest); and #175 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Columbiana County School Empl compare to other credit unions?
Columbiana County School Empl scores 71/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Columbiana County School Empl?
Membership eligibility for Columbiana County School Empl depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Columbiana County School Empl directly for current membership requirements and application steps.
Is my money safe at Columbiana County School Empl?
Federal credit unions like Columbiana County School Empl 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. Columbiana County School Empl's net worth ratio of 27.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Columbiana County School Empl offer compared to banks?
Credit unions like Columbiana County School Empl 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 Columbiana County School Empl 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.