Federal credit union · Cridersville, Ohio · NCUA charter #15438
TOPMARK
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $60.5M
- Total assets
- 8,916
- Members
- 10.1%
- Net-worth ratio
TOPMARK scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.5M; members 8,916; net-worth ratio 10.14%; health rank #3,353 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,353 of 4,374 health · 2025Q4TOPMARK · health 74/100 · $60.5M · 2025Q4
Call Report peers
TOPMARK in the assets neighbourhood
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TOPMARK vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TOPMARK sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for TOPMARK
- Loan-to-Share Ratio leads the peer set - 73.12% here, 62.60% peer average (+10.52 pp).
- Largest lag: Net Worth Ratio at 10.14% vs peer 13.62% (-3.48 pp).
TOPMARK: in-state Call Report ranks
- In Ohio, health place is #156 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, TOPMARK is #100 of 196 in Ohio.
- Membership ranks #69 of 196 among Ohio CUs with a reported count (8,916 members).
- One place up in Ohio, Golden Circle (#155) ties at 74/100; one place down, THEORY (#157) ties at 74/100.
Quarter path for TOPMARK
TOPMARK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $60.5M (2025Q4) to $62.3M (2026Q1).
- Net-worth ratio shifted -0.21 pp (10.35% → 10.14%).
10.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
TOPMARK gives up 26 points in total. Member Growth costs the most, 13.4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.2 pts
- Return on Assets 15.0 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 15.2 pts
TOPMARK vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.14% | -3.48 pp |
| Delinquency Rate | 2.05% | +1.08 pp |
| Return on Assets | 0.65% | -0.01 pp |
| Member Growth | -4.12% | - |
| Loan-to-Share Ratio | 73.12% | +10.52 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - TOPMARK
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.3M | - |
| 2025Q4 | $60.5M | 8,916 |
| 2024Q4 | $57.9M | 9,299 |
| 2023Q4 | $57.4M | 9,052 |
Credit Union Details
- Charter Number
- 15438
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Cridersville
- Data Quarter
- 2025Q4
Branch Locations (4)
TOPMARK operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| TopMark FCU (Main Office) | Lima, OH |
| TopMark Federal Credit Union | Cridersville, OH |
| AMI Informations Systems | Dayton, OH |
| Branch Office | Lima, 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.
Nationwide credit unions with similar profiles
Using this data
- TOPMARK ranks #3,353 of 4,374 nationally on financial health and #156 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Toledo Metro is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Toledo Metro
Frequently Asked Questions
Is TOPMARK financially healthy?
On its 2025Q4 NCUA 5300 filing, TOPMARK scores 74/100 (Very Good), with a 10.14% net worth ratio and 2.05% of loans delinquent. It ranks #3,353 of 4,374 nationally on health and #156 of 196 in Ohio.
How does TOPMARK compare to other credit unions?
TOPMARK scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (73.12% vs 62.60%). Its widest shortfall is net worth ratio (10.14% vs 13.62%).
How can I join TOPMARK?
TOPMARK 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 TOPMARK directly for the exact boundaries and application steps.
Is my money safe at TOPMARK?
TOPMARK 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. TOPMARK's net worth ratio of 10.14% 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.