State credit union · Clyde, Ohio · NCUA charter #68150
Impact Credit Union, Inc.
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $200.7M
- Total assets
- 14,146
- Members
- 8.7%
- Net-worth ratio
Impact Credit Union, Inc. scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $200.7M; members 14,146; net-worth ratio 8.71%; health rank #1,866 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,866 of 4,374 health · 2025Q4Impact Credit Union, Inc. · health 86/100 · $200.7M · 2025Q4
- NCUSIF 86/100
- CAMELS 8.7%
- HEALTH 0.28%
- NW 0.41%
- DELQ $200.7M
- ROA 14,146
- ASSETS #1,866/4,374
- MEM Access Community
- RANK 68150
Call Report peers
Impact Credit Union, Inc. in the assets neighbourhood
Impact Credit Union, Inc.'s $200.7M assets sit next to Access Community ($200.7M) 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.
Impact Credit Union, Inc. 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
86 Top 43% higher than 57% 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
Impact Credit Union, Inc. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68150, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Impact Credit Union, Inc.: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.28% vs peer 0.89% (-0.61 pp).
- Largest lag: Loan-to-Share Ratio at 67.04% vs peer 72.20% (-5.16 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Impact Credit Union, Inc.
- In Ohio, health place is #82 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #50 of 196.
- Ohio membership ordinal: #52 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.
Impact Credit Union, Inc.: 2025Q4 → 2026Q1
Impact Credit Union, Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $200.7M (2025Q4) to $207.6M (2026Q1).
- Net-worth ratio shifted -0.21 pp (8.92% → 8.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 26.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.6 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 14.2 pts
Impact Credit Union, Inc. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.71% | -3.40 pp |
| Delinquency Rate | 0.28% | -0.61 pp |
| Return on Assets | 0.41% | -0.22 pp |
| Member Growth | -1.44% | - |
| Loan-to-Share Ratio | 67.04% | -5.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Impact Credit Union, Inc. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $207.6M | - |
| 2025Q4 | $200.7M | 14,146 |
| 2024Q4 | $185.7M | 14,352 |
| 2023Q4 | $177.6M | 14,718 |
Credit Union Details
- Charter Number
- 68150
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Clyde
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Impact Credit Union, Inc. runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Impact Credit Union (Main Office) | Clyde, OH |
| Impact Credit Union North Office | Findlay, OH |
| Impact Credit Union East Office | Findlay, OH |
| Impact Credit Union Fremont Office | Fremont, OH |
| Impact Credit Union Tiffin Office | Tiffin, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Impact Credit Union, Inc., both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($200.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Impact Credit Union, Inc. ranks #1,866 of 4,374 nationally on financial health and #82 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIRESTONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIRESTONE
- 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 Impact Credit Union, Inc. financially healthy?
Impact Credit Union, Inc. has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,866 of 4,374; by total assets it ranks #1,276 of 4,374 nationally (same basis as /rankings/largest); and #50 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.71% and delinquency rate of 0.28%.
How does Impact Credit Union, Inc. compare to other credit unions?
PlainCU's health composite puts Impact Credit Union, Inc. at 86/100, 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 Impact Credit Union, Inc.?
Membership eligibility for Impact Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Impact Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Impact Credit Union, Inc.?
Federal credit unions like Impact Credit Union, Inc. 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. Impact Credit Union, Inc.'s net worth ratio of 8.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Impact Credit Union, Inc. offer compared to banks?
Credit unions like Impact Credit Union, Inc. 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 Impact Credit Union, Inc. 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.