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
- PHOTO 91/100
- BOOK 9.3%
- CHARTER 0.33%
- NCUSIF 0.58%
- CAMELS $1.36B
- HEALTH 94,800
- NW #1,006/4,374
- DELQ First Financial of Maryland
- ROA 60978
Call Report peers
DIRECTIONS in the assets neighbourhood
DIRECTIONS's $1.36B assets sit next to First Financial of Maryland ($1.36B) 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.
DIRECTIONS 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
91 Top 23% higher than 77% 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
DIRECTIONS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60978, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
DIRECTIONS: 2025Q4 → 2026Q1
DIRECTIONS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $1.36B (2025Q4) to $1.39B (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.23% → 9.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for DIRECTIONS - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.36B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 DIRECTIONS financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - DIRECTIONS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,006 of 4,374; by total assets it ranks #367 of 4,374 nationally (same basis as /rankings/largest); and #7 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.29% net worth ratio and 0.33% delinquency rate are the key drivers.
How does DIRECTIONS compare to other credit unions?
Five weighted metrics from NCUA filings produce DIRECTIONS's 91/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like DIRECTIONS 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. DIRECTIONS's net worth ratio of 9.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DIRECTIONS offer compared to banks?
Credit unions like DIRECTIONS 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 DIRECTIONS 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.