Federal credit union · BARBERTON, Ohio · NCUA charter #475
INTEGRITY
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $72.7M
- Total assets
- 5,732
- Members
- 9.6%
- Net-worth ratio
INTEGRITY scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.7M; members 5,732; net-worth ratio 9.58%; health rank #1,002 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,002 of 4,374 health · 2025Q4INTEGRITY · health 91/100 · $72.7M · 2025Q4
Call Report peers
INTEGRITY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INTEGRITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INTEGRITY sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
INTEGRITY: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.16% vs peer 0.96% (-0.80 pp).
- Largest lag: Net Worth Ratio at 9.58% vs peer 13.62% (-4.04 pp).
INTEGRITY: in-state Call Report ranks
- Health composite ranks #39 of 196 among scored Ohio credit unions.
- Ohio assets place: #89 of 196.
- Member book place in Ohio: #92 of 196.
- One place up in Ohio, Pathways Financial (#38) ties at 91/100; one place down, DIRECTIONS (#40) ties at 91/100.
How INTEGRITY's 5300 filing moved
INTEGRITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.0% from $72.7M (2025Q4) to $72.7M (2026Q1).
- Net-worth ratio shifted +0.42 pp (9.16% → 9.58%).
9.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
INTEGRITY gives up 9 points in total. Member Growth costs the most, 5.3 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 12.3 pts
INTEGRITY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.58% | -4.04 pp |
| Delinquency Rate | 0.16% | -0.80 pp |
| Return on Assets | 0.72% | +0.06 pp |
| Member Growth | 0.54% | - |
| Loan-to-Share Ratio | 59.99% | -2.61 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $72.7M | - |
| 2025Q4 | $72.7M | 5,732 |
| 2024Q4 | $66.3M | 5,701 |
| 2023Q4 | $62.6M | 5,617 |
Credit Union Details
- Charter Number
- 475
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- BARBERTON
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for INTEGRITY, spread across 2 cities.
| Office | City |
|---|---|
| INTEGRITY FEDERAL CREDIT UNION (Main Office) | BARBERTON, OH |
| COOP Shared branching | Barberton, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- INTEGRITY ranks #1,002 of 4,374 nationally on financial health and #39 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHAMPION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHAMPION
Frequently Asked Questions
Is INTEGRITY financially healthy?
On its 2025Q4 NCUA 5300 filing, INTEGRITY scores 91/100 (Excellent), with a 9.58% net worth ratio and 0.16% of loans delinquent. It ranks #1,002 of 4,374 nationally on health and #39 of 196 in Ohio.
How does INTEGRITY compare to other credit unions?
INTEGRITY scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.16% vs 0.96%). Its widest shortfall is net worth ratio (9.58% vs 13.62%).
How can I join INTEGRITY?
INTEGRITY 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 INTEGRITY directly for the exact boundaries and application steps.
Is my money safe at INTEGRITY?
INTEGRITY is a federal 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. INTEGRITY's net worth ratio of 9.58% 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.