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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Mahoning Valley sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Ohio, Erie Community (#158) scores 73/100, 1 point higher; one place down, LAN-FAIR (#160) ties at 72/100.
Mahoning Valley Call Report trajectory
Mahoning Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $389K (2025Q4) to $387K (2026Q1).
- Net-worth ratio shifted -1.57 pp (13.12% → 11.55%).
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
Mahoning Valley gives up 28 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Member Growth score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Mahoning Valley financially healthy?
On its 2025Q4 NCUA 5300 filing, Mahoning Valley scores 72/100 (Very Good), with a 11.55% net worth ratio and 1.39% of loans delinquent. It ranks #3,473 of 4,374 nationally on health and #159 of 196 in Ohio.
How does Mahoning Valley compare to other credit unions?
Mahoning Valley scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (1.39% vs 4.48%). Its widest shortfall is return on assets (-13.43% vs 0.22%).
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?
Mahoning Valley 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. Mahoning Valley's net worth ratio of 11.55% 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.