Federal credit union · Youngstown, Ohio · NCUA charter #20661
DOY
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $69.3M
- Total assets
- 2,102
- Members
- 14.1%
- Net-worth ratio
DOY scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.3M; members 2,102; net-worth ratio 14.08%; health rank #2,717 of 4,374; healthier than 36th of scored peers.
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NCUA 5300 Call Report Masthead
#2,717 of 4,374 health · 2025Q4DOY · health 80/100 · $69.3M · 2025Q4
Call Report peers
DOY in the assets neighbourhood
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DOY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DOY sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for DOY
- Delinquency Rate leads the peer set - 0.03% here, 0.96% peer average (-0.93 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.15 pp (42.45% vs 62.60%).
DOY in Ohio
- Ohio health ordinal: #123 of 196.
- By total assets, DOY is #94 of 196 in Ohio.
- Member book place in Ohio: #146 of 196.
- One place up in Ohio, Minerva Area (#122) ties at 80/100; one place down, LAKEVIEW (#124) ties at 80/100.
How DOY's 5300 filing moved
DOY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $69.3M (2025Q4) to $70.1M (2026Q1).
- Net-worth ratio shifted +0.03 pp (14.05% → 14.08%).
At 14.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
DOY gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
DOY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.08% | +0.46 pp |
| Delinquency Rate | 0.03% | -0.93 pp |
| Return on Assets | 0.53% | -0.13 pp |
| Member Growth | -6.95% | - |
| Loan-to-Share Ratio | 42.45% | -20.15 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.1M | - |
| 2025Q4 | $69.3M | 2,102 |
| 2024Q4 | $62.7M | 2,259 |
| 2023Q4 | $59.1M | 2,368 |
Credit Union Details
- Charter Number
- 20661
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Youngstown
- Data Quarter
- 2025Q4
Branch Location
DOY operates a single office in Youngstown, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| DOY Federal Credit Union Main Offices (Main Office) | Youngstown, 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 total assets
Using this data
- DOY ranks #2,717 of 4,374 nationally on financial health and #123 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kh Credit Union, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kh Credit Union, Inc.
Frequently Asked Questions
Is DOY financially healthy?
DOY has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,717 of 4,374 nationally on health and #123 of 196 in Ohio. Its net worth ratio is 14.08% and its delinquency rate 0.03%.
How does DOY compare to other credit unions?
DOY scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.03% vs 0.96%). Its widest shortfall is loan-to-share ratio (42.45% vs 62.60%).
How can I join DOY?
DOY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact DOY directly for the exact boundaries and application steps.
Is my money safe at DOY?
DOY 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. DOY's net worth ratio of 14.08% 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.