State credit union · MARION, Ohio · NCUA charter #61324
PILLAR
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $124.4M
- Total assets
- 10,032
- Members
- 10.6%
- Net-worth ratio
PILLAR scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $124.4M; members 10,032; net-worth ratio 10.64%; health rank #972 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#972 of 4,374 health · 2025Q4PILLAR · health 91/100 · $124.4M · 2025Q4
- ROA 91/100
- ASSETS 10.6%
- MEM 0.95%
- RANK 0.59%
- PHOTO $124.4M
- BOOK 10,032
- CHARTER #972/4,374
- NCUSIF ENERGY
- CAMELS 61324
Call Report peers
PILLAR in the assets neighbourhood
PILLAR's $124.4M assets sit next to ENERGY ($124.4M) 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.
PILLAR 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
91 Top 23% higher than 77% 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
PILLAR - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61324 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for PILLAR
- Loan-to-Share Ratio trails the peer set - 66.60% here, 72.20% peer average (-5.60 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PILLAR: in-state Call Report ranks
- Health composite ranks #37 of 196 among scored Ohio credit unions.
- Ohio assets place: #68 of 196.
- Ohio membership ordinal: #64 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.
PILLAR: 2025Q4 → 2026Q1
PILLAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $124.4M (2025Q4) to $128.0M (2026Q1).
- Net-worth ratio shifted -0.08 pp (10.72% → 10.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 14.3 pts
PILLAR vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.64% | -1.47 pp |
| Delinquency Rate | 0.95% | +0.05 pp |
| Return on Assets | 0.59% | -0.03 pp |
| Member Growth | 1.83% | - |
| Loan-to-Share Ratio | 66.60% | -5.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - PILLAR
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $128.0M | - |
| 2025Q4 | $124.4M | 10,032 |
| 2024Q4 | $113.0M | 9,852 |
| 2023Q4 | $107.0M | 9,772 |
Credit Union Details
- Charter Number
- 61324
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- MARION
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, PILLAR runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| BARKS ROAD (Main Office) | MARION, OH |
| Meadow Dr | Mount Gilead, 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.
PILLAR nationwide neighbourhoods
PILLAR's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($124.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- PILLAR ranks #972 of 4,374 nationally on financial health and #37 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community One Credit Union of Ohio is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community One Credit Union of Ohio
- 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 PILLAR financially healthy?
A 10.64% net worth ratio and a 0.95% delinquency rate feed into PILLAR's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #972 of 4,374; by total assets it ranks #1,647 of 4,374 nationally (same basis as /rankings/largest); and #68 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does PILLAR compare to other credit unions?
91/100 is PILLAR's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 PILLAR?
Membership eligibility for PILLAR depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PILLAR directly for current membership requirements and application steps.
Is my money safe at PILLAR?
Federal credit unions like PILLAR 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. PILLAR's net worth ratio of 10.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PILLAR offer compared to banks?
Credit unions like PILLAR 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 PILLAR 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.