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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,717 of 4,374 health · 2025Q4DOY · health 80/100 · $69.3M · 2025Q4
- DELQ 80/100
- ROA 14.1%
- ASSETS 0.03%
- MEM 0.53%
- RANK $69.3M
- PHOTO 2,102
- BOOK #2,717/4,374
- CHARTER Greater Niagara
- NCUSIF 20661
Call Report peers
DOY in the assets neighbourhood
DOY's $69.3M assets sit next to Greater Niagara ($69.3M) 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.
DOY 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
80 36th percentile higher than 36% 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
DOY - Share Insurance Coverage
Charter #20661'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.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How DOY's 5300 filing moved
DOY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $69.3M (2025Q4) to $70.1M (2026Q1).
- Net-worth ratio shifted +0.03 pp (14.05% → 14.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for DOY - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($69.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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.
- 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 DOY financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - DOY'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 #2,717 of 4,374; by total assets it ranks #2,147 of 4,374 nationally (same basis as /rankings/largest); and #94 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.08% net worth ratio and 0.03% delinquency rate are the key drivers.
How does DOY compare to other credit unions?
Five weighted metrics from NCUA filings produce DOY's 80/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like DOY 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. DOY's net worth ratio of 14.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DOY offer compared to banks?
Credit unions like DOY 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 DOY 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.