State credit union · Massillon, Ohio · NCUA charter #61239
Golden Circle
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $104.5M
- Total assets
- 6,887
- Members
- 13.8%
- Net-worth ratio
Golden Circle scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $104.5M; members 6,887; net-worth ratio 13.82%; health rank #3,328 of 4,374; healthier than 23rd of scored peers.
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#3,328 of 4,374 health · 2025Q4Golden Circle · health 74/100 · $104.5M · 2025Q4
Call Report peers
Golden Circle in the assets neighbourhood
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Golden Circle vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Golden Circle sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Golden Circle vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 13.82% vs peer 12.11% (+1.71 pp).
- Loan-to-Share Ratio trails the peer set - 58.42% here, 72.20% peer average (-13.78 pp).
Golden Circle: in-state Call Report ranks
- In Ohio, health place is #155 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #76 of 196.
- Membership ranks #82 of 196 among Ohio CUs with a reported count (6,887 members).
- One place up in Ohio, General Electric (#154) scores 75/100, 1 point higher; one place down, TOPMARK (#156) ties at 74/100.
How Golden Circle's 5300 filing moved
Golden Circle: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $104.5M (2025Q4) to $106.5M (2026Q1).
- Net-worth ratio shifted -2.11 pp (15.93% → 13.82%).
At 13.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Golden Circle gives up 26 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.8 pts
- Return on Assets 10.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.82% | +1.71 pp |
| Delinquency Rate | 0.92% | +0.02 pp |
| Return on Assets | 0.19% | -0.44 pp |
| Member Growth | -7.31% | - |
| Loan-to-Share Ratio | 58.42% | -13.78 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Golden Circle
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $106.5M | - |
| 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
Branch Locations (4)
Golden Circle operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Massillon (Main Office) | Massillon, OH |
| Canton | Canton, OH |
| Superior Canton | Canton, OH |
| Superior Massillon | Massillon, 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
Using this data
- Golden Circle ranks #3,328 of 4,374 nationally on financial health and #155 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cleveland Selfreliance is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cleveland Selfreliance
Frequently Asked Questions
Is Golden Circle financially healthy?
Golden Circle has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,328 of 4,374 nationally on health and #155 of 196 in Ohio. Its net worth ratio is 13.82% and its delinquency rate 0.92%.
How does Golden Circle compare to other credit unions?
Golden Circle scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.82% vs 12.11%). Its widest shortfall is loan-to-share ratio (58.42% vs 72.20%).
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?
Golden Circle is a state-chartered 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. Golden Circle's net worth ratio of 13.82% 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.