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
- ROA 87/100
- ASSETS 11.9%
- MEM 0.00%
- RANK 1.08%
- PHOTO $4.9M
- BOOK 725
- CHARTER #1,656/4,374
- NCUSIF n/a
- CAMELS 1599
Call Report peers
Mcdonald Community carries $4.9M 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.
Mcdonald Community 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1599, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Mcdonald Community's 5300 filing moved
Mcdonald Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.0% from $4.9M (2025Q4) to $4.6M (2026Q1).
- Net-worth ratio shifted +0.73 pp (11.16% → 11.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
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).
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
Mcdonald Community'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 (87/100 here).
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
- 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 Mcdonald Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mcdonald Community carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,656 of 4,374; by total assets it ranks #3,902 of 4,374 nationally (same basis as /rankings/largest); and #179 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.89% net worth ratio and a 0.00% delinquency rate.
How does Mcdonald Community compare to other credit unions?
Mcdonald Community scores 87/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Mcdonald Community 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. Mcdonald Community's net worth ratio of 11.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mcdonald Community offer compared to banks?
Credit unions like Mcdonald Community 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 Mcdonald Community 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.