Federal credit union · Batavia, Ohio · NCUA charter #22688
Ohio Valley
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $26.0M
- Total assets
- 2,107
- Members
- 9.4%
- Net-worth ratio
Ohio Valley scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.0M; members 2,107; net-worth ratio 9.39%; health rank #3,833 of 4,374; healthier than 12th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,833 of 4,374 health · 2025Q4Ohio Valley · health 66/100 · $26.0M · 2025Q4
- BOOK 66/100
- CHARTER 9.4%
- NCUSIF 1.51%
- CAMELS 0.11%
- HEALTH $26.0M
- NW 2,107
- DELQ #3,833/4,374
- ROA Va Pittsburgh Employees
- ASSETS 22688
Call Report peers
Ohio Valley in the assets neighbourhood
Ohio Valley's $26.0M assets sit next to Va Pittsburgh Employees ($26.1M) 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.
Ohio Valley 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
66 12th percentile higher than 12% 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
Ohio Valley - Share Insurance Coverage
Charter #22688's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Ohio Valley diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.98 pp (41.82% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Ohio Valley sits in Ohio
- Ohio health ordinal: #168 of 196.
- Assets rank #134 of 196 inside Ohio ($26.0M reported).
- Ohio membership ordinal: #145 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.
Ohio Valley Call Report trajectory
Ohio Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $26.0M (2025Q4) to $25.8M (2026Q1).
- Net-worth ratio shifted +0.27 pp (9.12% → 9.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 16.2 pts
- Return on Assets 9.1 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 10.2 pts
Ohio Valley health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.39% | -5.47 pp |
| Delinquency Rate | 1.51% | +0.37 pp |
| Return on Assets | 0.11% | -0.60 pp |
| Member Growth | -3.88% | - |
| Loan-to-Share Ratio | 41.82% | -17.98 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.8M | - |
| 2025Q4 | $26.0M | 2,107 |
| 2024Q4 | $27.2M | 2,192 |
| 2023Q4 | $27.8M | 2,226 |
Credit Union Details
- Charter Number
- 22688
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Batavia
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Ohio Valley runs one office.
| Office | City |
|---|---|
| Batavia (Main Office) | Batavia, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Cross-state Call Report peers for Ohio Valley
Ohio Valley's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Ohio Valley ranks #3,833 of 4,374 nationally on financial health and #168 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sylvania Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sylvania Area
- 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 Ohio Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ohio Valley carries a financial health score of 66/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,833 of 4,374; by total assets it ranks #2,963 of 4,374 nationally (same basis as /rankings/largest); and #134 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.39% net worth ratio and a 1.51% delinquency rate.
How does Ohio Valley compare to other credit unions?
66/100 is Ohio Valley's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Ohio Valley?
Ohio Valley 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 Ohio Valley directly for the exact boundaries and application steps.
Is my money safe at Ohio Valley?
Federal credit unions like Ohio Valley 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. Ohio Valley's net worth ratio of 9.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ohio Valley offer compared to banks?
Credit unions like Ohio Valley 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 Ohio Valley 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.