State credit union · Hilliard, Ohio · NCUA charter #68561
Credit Union of Ohio
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $206.7M
- Total assets
- 22,302
- Members
- 10.6%
- Net-worth ratio
Credit Union of Ohio scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $206.7M; members 22,302; net-worth ratio 10.57%; health rank #3,286 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,286 of 4,374 health · 2025Q4Credit Union of Ohio · health 75/100 · $206.7M · 2025Q4
- ROA 75/100
- ASSETS 10.6%
- MEM 1.02%
- RANK 0.05%
- PHOTO $206.7M
- BOOK 22,302
- CHARTER #3,286/4,374
- NCUSIF Southwest Montana Community
- CAMELS 68561
Call Report peers
Credit Union of Ohio in the assets neighbourhood
Credit Union of Ohio's $206.7M assets sit next to Southwest Montana Community ($206.7M) 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.
Credit Union of Ohio 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
75 24th percentile higher than 24% 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
Credit Union of Ohio - Share Insurance Coverage
Charter #68561's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Credit Union of Ohio: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 48.36% here, 72.20% peer average (-23.84 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Credit Union of Ohio sits in Ohio
- Health composite ranks #151 of 196 among scored Ohio credit unions.
- Assets rank #47 of 196 inside Ohio ($206.7M reported).
- Ohio membership ordinal: #33 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 Credit Union of Ohio
Credit Union of Ohio: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $206.7M (2025Q4) to $207.6M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.56% → 10.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 6.6 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.57% | -1.54 pp |
| Delinquency Rate | 1.02% | +0.13 pp |
| Return on Assets | 0.05% | -0.58 pp |
| Member Growth | -0.47% | - |
| Loan-to-Share Ratio | 48.36% | -23.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Credit Union of Ohio filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $207.6M | - |
| 2025Q4 | $206.7M | 22,302 |
| 2024Q4 | $201.6M | 22,408 |
| 2023Q4 | $205.2M | 22,831 |
Credit Union Details
- Charter Number
- 68561
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Hilliard
- Data Quarter
- 2025Q4
Branch Locations (5)
Credit Union of Ohio operates 5 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hilliard Office (Main Office) | Hilliard, OH |
| Downtown Office | Columbus, OH |
| Grove City Office | Grove City, OH |
| Niles Office | Niles, OH |
| Parma Office | Parma, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Cross-state Call Report peers for Credit Union of Ohio
Credit Union of Ohio's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($206.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Credit Union of Ohio ranks #3,286 of 4,374 nationally on financial health and #151 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TOWPATH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TOWPATH
- 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 Credit Union of Ohio financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Credit Union of Ohio carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,286 of 4,374; by total assets it ranks #1,254 of 4,374 nationally (same basis as /rankings/largest); and #47 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.57% net worth ratio and a 1.02% delinquency rate.
How does Credit Union of Ohio compare to other credit unions?
On PlainCU's health composite, Credit Union of Ohio lands at 75/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Credit Union of Ohio?
Membership eligibility for Credit Union of Ohio depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union of Ohio directly for current membership requirements and application steps.
Is my money safe at Credit Union of Ohio?
Federal credit unions like Credit Union of Ohio 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. Credit Union of Ohio's net worth ratio of 10.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of Ohio offer compared to banks?
Credit unions like Credit Union of Ohio 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 Credit Union of Ohio 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.