Federal credit union · Marysville, Ohio · NCUA charter #21787
M G Employees
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $2.1M
- Total assets
- 127
- Members
- 36.5%
- Net-worth ratio
M G Employees scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.1M; members 127; net-worth ratio 36.47%; health rank #2,673 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,673 of 4,374 health · 2025Q4M G Employees · health 80/100 · $2.1M · 2025Q4
- NW 80/100
- DELQ 36.5%
- ROA 0.00%
- ASSETS 0.97%
- MEM $2.1M
- RANK 127
- PHOTO #2,673/4,374
- BOOK n/a
- CHARTER 21787
Call Report peers
M G Employees carries $2.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
M G Employees 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
80 36th percentile higher than 36% 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
M G Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21787. See our deposit-insurance coverage note.
Where M G Employees diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 36.47% vs peer 19.06% (+17.41 pp).
- Loan-to-Share Ratio trails the peer set - 23.10% here, 63.60% peer average (-40.50 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
M G Employees in Ohio
- Health composite ranks #117 of 196 among scored Ohio credit unions.
- Assets rank #187 of 196 inside Ohio ($2.1M reported).
- Membership ranks #195 of 196 among Ohio CUs with a reported count (127 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
M G Employees Call Report trajectory
M G Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $2.1M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted +0.55 pp (35.92% → 36.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 36.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 7.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 36.47% | +17.41 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.97% | +0.52 pp |
| Member Growth | -3.79% | - |
| Loan-to-Share Ratio | 23.10% | -40.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
M G Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.1M | - |
| 2025Q4 | $2.1M | 127 |
| 2024Q4 | $2.2M | 132 |
| 2023Q4 | $2.2M | 154 |
Credit Union Details
- Charter Number
- 21787
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Marysville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for M G Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Huntsville, OH |
| FIS Mercury | Taylorsville, UT |
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.
Other-state peers near M G Employees
M G Employees's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- M G Employees ranks #2,673 of 4,374 nationally on financial health and #117 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ANTIOCH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ANTIOCH
- 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 M G Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, M G Employees carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,673 of 4,374; by total assets it ranks #4,116 of 4,374 nationally (same basis as /rankings/largest); and #187 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 36.47% net worth ratio and a 0.00% delinquency rate.
How does M G Employees compare to other credit unions?
PlainCU's health composite puts M G Employees at 80/100, compared to a peer group average for $2M–$10M 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 M G Employees?
M G Employees 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 M G Employees directly for the exact boundaries and application steps.
Is my money safe at M G Employees?
Federal credit unions like M G Employees 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. M G Employees's net worth ratio of 36.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does M G Employees offer compared to banks?
Credit unions like M G Employees 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 M G Employees 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.