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
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
The busiest band is 85-89 (858 credit unions); Columbiana County School Empl sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, TELHIO (#161) scores 72/100, 1 point higher; one place down, 540 I.B.E.W. (#163) ties at 71/100.
Quarter path for Columbiana County School Empl
Columbiana County School Empl: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $6.3M (2025Q4) to $6.2M (2026Q1).
- Net-worth ratio shifted -0.30 pp (27.40% → 27.10%).
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
Columbiana County School Empl gives up 29 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Columbiana County School Empl financially healthy?
Columbiana County School Empl has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,507 of 4,374 nationally on health and #162 of 196 in Ohio. Its net worth ratio is 27.10% and its delinquency rate 1.32%.
How does Columbiana County School Empl compare to other credit unions?
Columbiana County School Empl scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (27.10% vs 19.06%). Its widest shortfall is loan-to-share ratio (48.95% vs 63.60%).
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?
Columbiana County School Empl 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. Columbiana County School Empl's net worth ratio of 27.10% 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.