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
- HEALTH 63/100
- NW 17.9%
- DELQ 4.18%
- ROA 0.83%
- ASSETS $10.9M
- MEM 1,068
- RANK #3,941/4,374
- PHOTO San Francisco Lee
- BOOK 21606
Call Report peers
Morrow County in the assets neighbourhood
Morrow County's $10.9M assets sit next to San Francisco Lee ($10.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
63 9th percentile higher than 9% 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
Morrow County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21606. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Morrow County
Morrow County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $10.9M (2025Q4) to $11.1M (2026Q1).
- Net-worth ratio shifted -0.02 pp (17.89% → 17.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Morrow County's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
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
- 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 Morrow County financially healthy?
A 17.87% net worth ratio and a 4.18% delinquency rate feed into Morrow County's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,941 of 4,374; by total assets it ranks #3,516 of 4,374 nationally (same basis as /rankings/largest); and #165 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Morrow County compare to other credit unions?
Five weighted metrics from NCUA filings produce Morrow County's 63/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Morrow County 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. Morrow County's net worth ratio of 17.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Morrow County offer compared to banks?
Credit unions like Morrow County 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 Morrow County 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.