Federal credit union · MC DONALD, Ohio · NCUA charter #1599
Mcdonald Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $4.9M
- Total assets
- 725
- Members
- 11.9%
- Net-worth ratio
Mcdonald Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.9M; members 725; net-worth ratio 11.89%; health rank #1,656 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,656 of 4,374 health · 2025Q4Mcdonald Community · health 87/100 · $4.9M · 2025Q4
Call Report peers
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Mcdonald Community vs every NCUA-scored credit union
Mcdonald Community sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Mcdonald Community vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -50.90 pp (12.70% vs 63.60%).
Mcdonald Community in Ohio
- In Ohio, health place is #73 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #179 of 196.
- Member book place in Ohio: #176 of 196.
- One place up in Ohio, Genesis Employees (#72) ties at 87/100; one place down, St. Josephs Canton Parish (#74) ties at 87/100.
How Mcdonald Community's 5300 filing moved
Mcdonald Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.0% from $4.9M (2025Q4) to $4.6M (2026Q1).
- Net-worth ratio shifted +0.73 pp (11.16% → 11.89%).
11.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Mcdonald Community gives up 13 points in total. Loan-to-Share Ratio costs the most, 7.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 7.5 pts
Mcdonald Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.89% | -7.17 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.08% | +0.63 pp |
| Member Growth | 0.42% | - |
| Loan-to-Share Ratio | 12.70% | -50.90 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Mcdonald Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.6M | - |
| 2025Q4 | $4.9M | 725 |
| 2024Q4 | $5.0M | 722 |
| 2023Q4 | $4.8M | 703 |
Credit Union Details
- Charter Number
- 1599
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- MC DONALD
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Mcdonald Community.
| Office | City |
|---|---|
| McDonald Community FCU (Main Office) | Mc Donald, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Mcdonald Community ranks #1,656 of 4,374 nationally on financial health and #73 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- W T Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with W T Community
Frequently Asked Questions
Is Mcdonald Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Mcdonald Community scores 87/100 (Excellent), with a 11.89% net worth ratio and 0.00% of loans delinquent. It ranks #1,656 of 4,374 nationally on health and #73 of 196 in Ohio.
How does Mcdonald Community compare to other credit unions?
Mcdonald Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (12.70% vs 63.60%).
How can I join Mcdonald Community?
Mcdonald Community 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 Mcdonald Community directly for the exact boundaries and application steps.
Is my money safe at Mcdonald Community?
Mcdonald Community 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. Mcdonald Community's net worth ratio of 11.89% 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.