State credit union · Massillon, Ohio · NCUA charter #61239
Golden Circle
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $104.5M
- Total assets
- 6,887
- Members
- 14.3%
- Net-worth ratio
Golden Circle - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61239 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Golden Circle - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)83
- Earnings (ROA)69
- Member growth0
- Liquidity (loan-to-share)83
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.33% | 30% |
| Delinquency Rate | 0.92% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | -7.31% | 15% |
| Loan-to-Share Ratio | 58.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $104.5M | 6,887 |
| 2024Q4 | $105.1M | 7,430 |
| 2023Q4 | $110.5M | 8,176 |
Credit Union Details
- Charter Number
- 61239
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Massillon
- Data Quarter
- 2025Q4
What This Data Says About Golden Circle
6,887 members and $104.5M in total assets sit behind Golden Circle, a state credit union in Massillon, Ohio, which posts a health score of 74/100 (Very Good) on the five-factor composite, with $51.2M in outstanding loans as of Q4 2025 and a net worth ratio of 14.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #61239 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.92% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 58.42% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.19% on net income of $196K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.31%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Golden Circle financially healthy?
Golden Circle scores 74/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.33% net worth ratio and a 0.92% delinquency rate.
How does Golden Circle compare to other credit unions?
PlainCU's health composite puts Golden Circle at 74/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Golden Circle?
Membership eligibility for Golden Circle depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Golden Circle directly for current membership requirements and application steps.
Is my money safe at Golden Circle?
Federal credit unions like Golden Circle 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. Golden Circle's net worth ratio of 14.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Golden Circle offer compared to banks?
Credit unions like Golden Circle 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 Golden Circle directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.