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.
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NCUA 5300 Call Report Masthead
#1,866 of 4,374 health · 2025Q4Impact Credit Union, Inc. · health 86/100 · $200.7M · 2025Q4
Call Report peers
Impact Credit Union, Inc. in the assets neighbourhood
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Impact Credit Union, Inc. vs every NCUA-scored credit union
Impact Credit Union, Inc. sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, Community Star (#81) ties at 86/100; one place down, Ibew 141 (#83) scores 85/100, 1 point lower.
Impact Credit Union, Inc.: 2025Q4 → 2026Q1
Impact Credit Union, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $200.7M (2025Q4) to $207.6M (2026Q1).
- Net-worth ratio shifted -0.21 pp (8.92% → 8.71%).
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
Impact Credit Union, Inc. gives up 14 points in total. Member Growth costs the most, 8.6 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Impact Credit Union, Inc. financially healthy?
Impact Credit Union, Inc. has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,866 of 4,374 nationally on health and #82 of 196 in Ohio. Its net worth ratio is 8.71% and its delinquency rate 0.28%.
How does Impact Credit Union, Inc. compare to other credit unions?
Impact Credit Union, Inc. scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.28% vs 0.89%). Its widest shortfall is loan-to-share ratio (67.04% vs 72.20%).
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.?
Impact Credit Union, Inc. 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. Impact Credit Union, Inc.'s net worth ratio of 8.71% 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.