Federal credit union · Youngstown, Ohio · NCUA charter #14469
Mahoning Valley
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $389K
- Total assets
- 246
- Members
- 11.6%
- Net-worth ratio
Mahoning Valley scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $389K; members 246; net-worth ratio 11.55%; health rank #3,473 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,473 of 4,374 health · 2025Q4Mahoning Valley · health 72/100 · $389K · 2025Q4
- ROA 72/100
- ASSETS 11.6%
- MEM 1.39%
- RANK -13.43%
- PHOTO $389K
- BOOK 246
- CHARTER #3,473/4,374
- NCUSIF n/a
- CAMELS 14469
Call Report peers
Mahoning Valley carries $389K 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.
Mahoning Valley 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
72 20th percentile higher than 20% 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
Mahoning Valley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14469 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mahoning Valley vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Delinquency Rate: -3.09 pp (1.39% vs 4.48%).
- Widest shortfall vs peers is Return on Assets: -13.65 pp (-13.43% vs 0.22%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mahoning Valley: in-state Call Report ranks
- Health composite ranks #159 of 196 among scored Ohio credit unions.
- Ohio assets place: #192 of 196.
- Ohio membership ordinal: #192 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.
Mahoning Valley Call Report trajectory
Mahoning Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $389K (2025Q4) to $387K (2026Q1).
- Net-worth ratio shifted -1.57 pp (13.12% → 11.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.9 pts
Mahoning Valley health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.55% | -11.38 pp |
| Delinquency Rate | 1.39% | -3.09 pp |
| Return on Assets | -13.43% | -13.65 pp |
| Member Growth | 9.82% | - |
| Loan-to-Share Ratio | 43.35% | -9.35 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $387K | - |
| 2025Q4 | $389K | 246 |
| 2024Q4 | $542K | 224 |
| 2023Q4 | $669K | 213 |
Credit Union Details
- Charter Number
- 14469
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Ohio
- City
- Youngstown
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Mahoning Valley.
| Office | City |
|---|---|
| Mahoning Valley FCU (Main Office) | Youngstown, 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.
Mahoning Valley nationwide neighbourhoods
Mahoning Valley'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 (72/100 here).
Using this data
- Mahoning Valley ranks #3,473 of 4,374 nationally on financial health and #159 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wright-Dunbar Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wright-Dunbar Area
- 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 Mahoning Valley financially healthy?
Mahoning Valley has a financial health score of 72/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,473 of 4,374; by total assets it ranks #4,313 of 4,374 nationally (same basis as /rankings/largest); and #192 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 11.55% and delinquency rate of 1.39%.
How does Mahoning Valley compare to other credit unions?
PlainCU's health composite puts Mahoning Valley at 72/100, compared to a peer group average for Under $2M 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 Mahoning Valley?
Mahoning Valley 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 Mahoning Valley directly for the exact boundaries and application steps.
Is my money safe at Mahoning Valley?
Federal credit unions like Mahoning Valley 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. Mahoning Valley's net worth ratio of 11.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mahoning Valley offer compared to banks?
Credit unions like Mahoning Valley 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 Mahoning Valley 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.