Federal credit union · Minerva, Ohio · NCUA charter #20622
Minerva Area
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $16.3M
- Total assets
- 2,417
- Members
- 14.9%
- Net-worth ratio
Minerva Area scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.3M; members 2,417; net-worth ratio 14.92%; health rank #2,712 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,712 of 4,374 health · 2025Q4Minerva Area · health 80/100 · $16.3M · 2025Q4
Call Report peers
Minerva Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Minerva Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Minerva Area sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Minerva Area: Call Report deltas vs peers
- Return on Assets leads the peer set - 2.12% here, 0.70% peer average (+1.42 pp).
- Largest lag: Loan-to-Share Ratio at 53.12% vs peer 59.80% (-6.68 pp).
Minerva Area in Ohio
- Health composite ranks #122 of 196 among scored Ohio credit unions.
- By total assets, Minerva Area is #153 of 196 in Ohio.
- Ohio membership ordinal: #138 of 196.
- One place up in Ohio, Genfed Financial (#121) ties at 80/100; one place down, DOY (#123) ties at 80/100.
Minerva Area Call Report trajectory
Minerva Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.7% from $16.3M (2025Q4) to $17.6M (2026Q1).
- Net-worth ratio shifted -0.84 pp (15.76% → 14.92%).
At 14.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Minerva Area gives up 20 points in total. Member Growth costs the most, 9.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.9 pts
- Return on Assets 15.0 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 11.5 pts
Minerva Area vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.92% | +0.06 pp |
| Delinquency Rate | 1.28% | +0.13 pp |
| Return on Assets | 2.12% | +1.42 pp |
| Member Growth | -1.87% | - |
| Loan-to-Share Ratio | 53.12% | -6.68 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Minerva Area filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.6M | - |
| 2025Q4 | $16.3M | 2,417 |
| 2024Q4 | $15.6M | 2,463 |
| 2023Q4 | $13.6M | 2,508 |
Credit Union Details
- Charter Number
- 20622
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Minerva
- Data Quarter
- 2025Q4
Branch Location
Minerva Area operates a single office in Minerva, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Minerva, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Minerva Area ranks #2,712 of 4,374 nationally on financial health and #122 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NORTHWESTERN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NORTHWESTERN
Frequently Asked Questions
Is Minerva Area financially healthy?
Minerva Area has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,712 of 4,374 nationally on health and #122 of 196 in Ohio. Its net worth ratio is 14.92% and its delinquency rate 1.28%.
How does Minerva Area compare to other credit unions?
Minerva Area scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (2.12% vs 0.70%). Its widest shortfall is loan-to-share ratio (53.12% vs 59.80%).
How can I join Minerva Area?
Minerva Area 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 Minerva Area directly for the exact boundaries and application steps.
Is my money safe at Minerva Area?
Minerva Area 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. Minerva Area's net worth ratio of 14.92% 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.