Federal credit union · North Canton, Ohio · NCUA charter #2454
First Ohio Community
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $44.3M
- Total assets
- 3,350
- Members
- 10.3%
- Net-worth ratio
First Ohio Community scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.3M; members 3,350; net-worth ratio 10.29%; health rank #2,311 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,311 of 4,374 health · 2025Q4First Ohio Community · health 83/100 · $44.3M · 2025Q4
- HEALTH 83/100
- NW 10.3%
- DELQ 0.10%
- ROA 1.00%
- ASSETS $44.3M
- MEM 3,350
- RANK #2,311/4,374
- PHOTO OAHE
- BOOK 2454
Call Report peers
First Ohio Community in the assets neighbourhood
First Ohio Community's $44.3M assets sit next to OAHE ($44.3M) 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.
First Ohio Community 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
83 46th percentile higher than 46% 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
First Ohio Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2454: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
First Ohio Community: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.10% here, 1.15% peer average (-1.04 pp).
- Loan-to-Share Ratio trails the peer set - 44.44% here, 59.80% peer average (-15.36 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Ohio Community in Ohio
- Ohio health ordinal: #101 of 196.
- Ohio assets place: #112 of 196.
- Ohio membership ordinal: #120 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.
Quarter path for First Ohio Community
First Ohio Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $44.3M (2025Q4) to $45.9M (2026Q1).
- Net-worth ratio shifted -0.21 pp (10.50% → 10.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 10.4 pts
Call Report ratios for First Ohio Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.29% | -4.57 pp |
| Delinquency Rate | 0.10% | -1.04 pp |
| Return on Assets | 1.00% | +0.30 pp |
| Member Growth | -3.54% | - |
| Loan-to-Share Ratio | 44.44% | -15.36 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
First Ohio Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.9M | - |
| 2025Q4 | $44.3M | 3,350 |
| 2024Q4 | $41.8M | 3,473 |
| 2023Q4 | $40.6M | 3,706 |
Credit Union Details
- Charter Number
- 2454
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- North Canton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for First Ohio Community.
| Office | City |
|---|---|
| First Ohio Community FCU (Main Office) | North Canton, OH |
| First Ohio Community Federal Credit Union | North Canton, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near First Ohio Community
First Ohio Community's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- First Ohio Community ranks #2,311 of 4,374 nationally on financial health and #101 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- All Saints is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with All Saints
- 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 First Ohio Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Ohio Community carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,311 of 4,374; by total assets it ranks #2,510 of 4,374 nationally (same basis as /rankings/largest); and #112 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.29% net worth ratio and a 0.10% delinquency rate.
How does First Ohio Community compare to other credit unions?
First Ohio Community scores 83/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 First Ohio Community?
First Ohio Community 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 First Ohio Community directly for the exact boundaries and application steps.
Is my money safe at First Ohio Community?
Federal credit unions like First Ohio Community 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. First Ohio Community's net worth ratio of 10.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Ohio Community offer compared to banks?
Credit unions like First Ohio Community 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 First Ohio Community 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.