Federal credit union · Dayton, Ohio · NCUA charter #97105
DAY-MET
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $136.7M
- Total assets
- 7,946
- Members
- 8.8%
- Net-worth ratio
DAY-MET scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $136.7M; members 7,946; net-worth ratio 8.78%; health rank #859 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#859 of 4,374 health · 2025Q4DAY-MET · health 92/100 · $136.7M · 2025Q4
Call Report peers
DAY-MET in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DAY-MET vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DAY-MET sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
DAY-MET: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +19.30 pp (91.50% vs 72.20%).
- Largest lag: Net Worth Ratio at 8.78% vs peer 12.11% (-3.33 pp).
DAY-MET in Ohio
- In Ohio, health place is #32 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, DAY-MET is #64 of 196 in Ohio.
- Ohio membership ordinal: #73 of 196.
- One place up in Ohio, Canton School Employees (#31) ties at 92/100; one place down, EIGHT (#33) scores 91/100, 1 point lower.
DAY-MET: 2025Q4 → 2026Q1
DAY-MET: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $136.7M (2025Q4) to $136.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.68% → 8.78%).
This credit union's 8.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
DAY-MET gives up 8 points in total. Return on Assets costs the most, 3.2 of its 15; Member Growth scores full marks.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 11.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.8 pts
DAY-MET vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.78% | -3.33 pp |
| Delinquency Rate | 0.66% | -0.24 pp |
| Return on Assets | 0.29% | -0.34 pp |
| Member Growth | 8.54% | - |
| Loan-to-Share Ratio | 91.50% | +19.30 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
DAY-MET filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $136.3M | - |
| 2025Q4 | $136.7M | 7,946 |
| 2024Q4 | $122.7M | 7,321 |
| 2023Q4 | $120.6M | 7,520 |
Credit Union Details
- Charter Number
- 97105
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Dayton
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, DAY-MET runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Dayton Office (Main Office) | Dayton, OH |
| Middletown Office | Middletown, OH |
| Moraine Office | Moraine, 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.
- GREATER CINCINNATI SCHOOLCincinnati, OH · $100M–$500M84Health
- FIREFIGHTERS & COMPANYDAYTON, OH · $100M–$500M79Health
- COMMUNITY ONE CREDIT UNION OF OHIONorth Canton, OH · $100M–$500M89Health
- MEDINA COUNTYWadsworth, OH · $100M–$500M96Health
- EDUCATION FIRST CREDIT UNION, INC.Columbus, OH · $100M–$500M81Health
Other-state peers near DAY-MET
Using this data
- DAY-MET ranks #859 of 4,374 nationally on financial health and #32 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Cincinnati School is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Cincinnati School
Frequently Asked Questions
Is DAY-MET financially healthy?
DAY-MET has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #859 of 4,374 nationally on health and #32 of 196 in Ohio. Its net worth ratio is 8.78% and its delinquency rate 0.66%.
How does DAY-MET compare to other credit unions?
DAY-MET scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.50% vs 72.20%). Its widest shortfall is net worth ratio (8.78% vs 12.11%).
How can I join DAY-MET?
Membership eligibility for DAY-MET depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact DAY-MET directly for current membership requirements and application steps.
Is my money safe at DAY-MET?
DAY-MET 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. DAY-MET's net worth ratio of 8.78% 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.