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
- NW 91/100
- DELQ 9.6%
- ROA 0.16%
- ASSETS 0.72%
- MEM $72.7M
- RANK 5,732
- PHOTO #1,002/4,374
- BOOK ALBRIGHT
- CHARTER 475
Call Report peers
INTEGRITY in the assets neighbourhood
INTEGRITY's $72.7M assets sit next to ALBRIGHT ($72.7M) 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.
INTEGRITY 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #475. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How INTEGRITY's 5300 filing moved
INTEGRITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $72.7M (2025Q4) to $72.7M (2026Q1).
- Net-worth ratio shifted +0.42 pp (9.16% → 9.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
INTEGRITY's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 INTEGRITY financially healthy?
INTEGRITY has a financial health score of 91/100 (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 #1,002 of 4,374; by total assets it ranks #2,103 of 4,374 nationally (same basis as /rankings/largest); and #89 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 9.58% and delinquency rate of 0.16%.
How does INTEGRITY compare to other credit unions?
91/100 is INTEGRITY's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like INTEGRITY 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. INTEGRITY's net worth ratio of 9.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INTEGRITY offer compared to banks?
Credit unions like INTEGRITY 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 INTEGRITY 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.