Federal credit union · Youngstown, Ohio · NCUA charter #14469
Mahoning Valley
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $389K
- Total assets
- 246
- Members
- 13.1%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)68
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)66
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.12% | 30% |
| Delinquency Rate | 1.39% | 25% |
| Return on Assets | -13.43% | 15% |
| Member Growth | 9.82% | 15% |
| Loan-to-Share Ratio | 43.35% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mahoning Valley
Charter #14469, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Mahoning Valley, a federal credit union in Youngstown, Ohio with 246 members, $389K in total assets, and $146K in outstanding loans as of Q4 2025. The five-factor composite scores it 72/100 (Very Good), helped by a net worth ratio of 13.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 43.35% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.39% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at -13.43% on net income of $-52306 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 9.82%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.12% 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 13.12% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.