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
Call Report peers
QUEST in the assets neighbourhood
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
QUEST sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, Your Legacy (#70) ties at 88/100; one place down, Genesis Employees (#72) scores 87/100, 1 point lower.
How QUEST's 5300 filing moved
QUEST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $232.3M (2025Q4) to $242.1M (2026Q1).
- Net-worth ratio shifted -0.33 pp (8.76% → 8.43%).
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
QUEST gives up 12 points in total. Delinquency Rate costs the most, 5.5 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is QUEST financially healthy?
On its 2025Q4 NCUA 5300 filing, QUEST scores 88/100 (Excellent), with a 8.43% net worth ratio and 1.06% of loans delinquent. It ranks #1,531 of 4,374 nationally on health and #71 of 196 in Ohio.
How does QUEST compare to other credit unions?
QUEST scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.70% vs 0.62%). Its widest shortfall is net worth ratio (8.43% vs 12.11%).
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?
QUEST 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. QUEST's net worth ratio of 8.43% 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.