State credit union · Toledo, Ohio · NCUA charter #60978
DIRECTIONS
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $1.36B
- Total assets
- 94,800
- Members
- 9.3%
- Net-worth ratio
DIRECTIONS scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.36B; members 94,800; net-worth ratio 9.29%; health rank #1,006 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,006 of 4,374 health · 2025Q4DIRECTIONS · health 91/100 · $1.36B · 2025Q4
Call Report peers
DIRECTIONS in the assets neighbourhood
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DIRECTIONS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DIRECTIONS sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where DIRECTIONS diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 94.79% here, 83.90% peer average (+10.89 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.89 pp (9.29% vs 11.18%).
DIRECTIONS in Ohio
- Health composite ranks #40 of 196 among scored Ohio credit unions.
- Assets rank #7 of 196 inside Ohio ($1.36B reported).
- Ohio membership ordinal: #7 of 196.
- One place up in Ohio, INTEGRITY (#39) ties at 91/100; one place down, RIVERVIEW (#41) ties at 91/100.
DIRECTIONS: 2025Q4 → 2026Q1
DIRECTIONS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $1.36B (2025Q4) to $1.39B (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.23% → 9.29%).
This credit union's 9.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
DIRECTIONS gives up 9 points in total. Member Growth costs the most, 5 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 12.8 pts
Call Report ratios for DIRECTIONS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.29% | -1.89 pp |
| Delinquency Rate | 0.33% | -0.54 pp |
| Return on Assets | 0.58% | +0.07 pp |
| Member Growth | 0.85% | - |
| Loan-to-Share Ratio | 94.79% | +10.89 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
DIRECTIONS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.39B | - |
| 2025Q4 | $1.36B | 94,800 |
| 2024Q4 | $1.30B | 94,001 |
| 2023Q4 | $1.21B | 95,334 |
Credit Union Details
- Charter Number
- 60978
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- Toledo
- Data Quarter
- 2025Q4
Branch Locations (23)
The NCUA branch filing lists 23 physical offices for DIRECTIONS, spread across 17 cities in 2 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Toledo, OH |
| Ashland | Ashland, OH |
| Dundee | Dundee, MI |
| Sterns | Lambertville, MI |
| Lexington | Lexington, OH |
| Main St | Mansfield, OH |
| South Diamond | Mansfield, OH |
| Madison/Central OH Ops | Mansfield, OH |
| South | Maumee, OH |
| Maumee | Maumee, OH |
| Telegraph | Monroe, MI |
| New Philadelphia | New Philadelphia, OH |
| Ontario | Ontario, OH |
| Oregon | Oregon, OH |
| Perrysburg/Levis Commons | Perrysburg, OH |
| Rossford | Rossford, OH |
| Shelby | Shelby, OH |
| Whiteford | Sylvania, OH |
| West Branch | Toledo, OH |
| Westgate | Toledo, OH |
| Summit/Downtown | Toledo, OH |
| Willard | Willard, OH |
| Wooster | Wooster, 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 DIRECTIONS
Using this data
- DIRECTIONS ranks #1,006 of 4,374 nationally on financial health and #40 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TELHIO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TELHIO
Frequently Asked Questions
Is DIRECTIONS financially healthy?
On its 2025Q4 NCUA 5300 filing, DIRECTIONS scores 91/100 (Excellent), with a 9.29% net worth ratio and 0.33% of loans delinquent. It ranks #1,006 of 4,374 nationally on health and #40 of 196 in Ohio.
How does DIRECTIONS compare to other credit unions?
DIRECTIONS scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.79% vs 83.90%). Its widest shortfall is net worth ratio (9.29% vs 11.18%).
How can I join DIRECTIONS?
Membership eligibility for DIRECTIONS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact DIRECTIONS directly for current membership requirements and application steps.
Is my money safe at DIRECTIONS?
DIRECTIONS 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. DIRECTIONS's net worth ratio of 9.29% 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.