Federal credit union · Mount Gilead, Ohio · NCUA charter #21606
Morrow County
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $10.9M
- Total assets
- 1,068
- Members
- 17.9%
- Net-worth ratio
Morrow County scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.9M; members 1,068; net-worth ratio 17.87%; health rank #3,941 of 4,374; healthier than 9th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,941 of 4,374 health · 2025Q4Morrow County · health 63/100 · $10.9M · 2025Q4
Call Report peers
Morrow County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Morrow County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Morrow County sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Morrow County: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +3.01 pp (17.87% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 47.32% vs peer 59.80% (-12.48 pp).
Morrow County: in-state Call Report ranks
- In Ohio, health place is #170 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, Morrow County is #165 of 196 in Ohio.
- Ohio membership ordinal: #165 of 196.
- One place up in Ohio, Nickel Steel (#169) scores 64/100, 1 point higher; one place down, Eaton Family (#171) ties at 63/100.
Quarter path for Morrow County
Morrow County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $10.9M (2025Q4) to $11.1M (2026Q1).
- Net-worth ratio shifted -0.02 pp (17.89% → 17.87%).
17.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Morrow County gives up 37 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 10.0 pts
Morrow County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.87% | +3.01 pp |
| Delinquency Rate | 4.18% | +3.03 pp |
| Return on Assets | 0.83% | +0.13 pp |
| Member Growth | -0.56% | - |
| Loan-to-Share Ratio | 47.32% | -12.48 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Morrow County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.1M | - |
| 2025Q4 | $10.9M | 1,068 |
| 2024Q4 | $9.9M | 1,074 |
| 2023Q4 | $9.4M | 1,090 |
Credit Union Details
- Charter Number
- 21606
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Mount Gilead
- Data Quarter
- 2025Q4
Branch Locations (3)
Morrow County operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Morrow County Federal Credit Union (Main Office) | Mount Gilead, OH |
| FIS | BolingBrook, IL |
| Corporate One | Columbus, 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
- Morrow County ranks #3,941 of 4,374 nationally on financial health and #170 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Middletown Area Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Middletown Area Schools
Frequently Asked Questions
Is Morrow County financially healthy?
On its 2025Q4 NCUA 5300 filing, Morrow County scores 63/100 (Good), with a 17.87% net worth ratio and 4.18% of loans delinquent. It ranks #3,941 of 4,374 nationally on health and #170 of 196 in Ohio.
How does Morrow County compare to other credit unions?
Morrow County scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.87% vs 14.86%). Its widest shortfall is loan-to-share ratio (47.32% vs 59.80%).
How can I join Morrow County?
Morrow County 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 Morrow County directly for the exact boundaries and application steps.
Is my money safe at Morrow County?
Morrow County 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. Morrow County's net worth ratio of 17.87% 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.