Federal credit union · Kenton, Ohio · NCUA charter #19508
QUEST
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $232.3M
- Total assets
- 16,800
- Members
- 8.4%
- Net-worth ratio
QUEST scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $232.3M; members 16,800; net-worth ratio 8.43%; health rank #1,531 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,531 of 4,374 health · 2025Q4QUEST · health 88/100 · $232.3M · 2025Q4
- HEALTH 88/100
- NW 8.4%
- DELQ 1.06%
- ROA 0.70%
- ASSETS $232.3M
- MEM 16,800
- RANK #1,531/4,374
- PHOTO SABINE
- BOOK 19508
Call Report peers
QUEST in the assets neighbourhood
QUEST's $232.3M assets sit next to SABINE ($232.2M) 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.
QUEST 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
88 Top 35% higher than 65% 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
QUEST - Share Insurance Coverage
Charter #19508'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 QUEST diverges from peer averages
- Return on Assets leads the peer set - 0.70% here, 0.62% peer average (+0.08 pp).
- Largest lag: Net Worth Ratio at 8.43% vs peer 12.11% (-3.68 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
QUEST: in-state Call Report ranks
- In Ohio, health place is #71 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #42 of 196.
- Ohio membership ordinal: #41 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.
How QUEST's 5300 filing moved
QUEST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $232.3M (2025Q4) to $242.1M (2026Q1).
- Net-worth ratio shifted -0.33 pp (8.76% → 8.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.43% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 19.5 pts
- Return on Assets 15.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for QUEST
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.43% | -3.68 pp |
| Delinquency Rate | 1.06% | +0.17 pp |
| Return on Assets | 0.70% | +0.08 pp |
| Member Growth | 2.70% | - |
| Loan-to-Share Ratio | 72.00% | -0.20 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $242.1M | - |
| 2025Q4 | $232.3M | 16,800 |
| 2024Q4 | $201.9M | 16,358 |
| 2023Q4 | $183.8M | 15,766 |
Credit Union Details
- Charter Number
- 19508
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Kenton
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, QUEST runs 8 offices in 6 different cities.
| Office | City |
|---|---|
| Quest Federal Credit Union (Main Office) | Kenton, OH |
| Quest Federal Credit Union | Ada, OH |
| Quest Federal Credit Union | Bellefontaine, OH |
| Carey Branch | Carey, OH |
| Quest Federal Credit Union | Kenton, OH |
| Quest Federal Credit Union | Kenton, OH |
| Quest Federal Credit Union | Russells Point, OH |
| Quest Federal Credit Union | Upper Sandusky, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for QUEST
Cross-state asset and health neighbours for QUEST - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($232.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- QUEST ranks #1,531 of 4,374 nationally on financial health and #71 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Service
- 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 QUEST financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - QUEST's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,531 of 4,374; by total assets it ranks #1,190 of 4,374 nationally (same basis as /rankings/largest); and #42 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.43% net worth ratio and 1.06% delinquency rate are the key drivers.
How does QUEST compare to other credit unions?
QUEST scores 88/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 QUEST?
QUEST 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 QUEST directly for the exact boundaries and application steps.
Is my money safe at QUEST?
Federal credit unions like QUEST 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. QUEST's net worth ratio of 8.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does QUEST offer compared to banks?
Credit unions like QUEST 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 QUEST 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.