Federal credit union · Sandusky, Ohio · NCUA charter #11293
VACATIONLAND
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $320.9M
- Total assets
- 20,702
- Members
- 12.6%
- Net-worth ratio
VACATIONLAND scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $320.9M; members 20,702; net-worth ratio 12.57%; health rank #1,257 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,257 of 4,374 health · 2025Q4VACATIONLAND · health 89/100 · $320.9M · 2025Q4
Call Report peers
VACATIONLAND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VACATIONLAND vs every NCUA-scored credit union
VACATIONLAND sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
VACATIONLAND vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.46 pp (12.57% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -5.80 pp (66.40% vs 72.20%).
VACATIONLAND: in-state Call Report ranks
- Ohio health ordinal: #56 of 196.
- By total assets, VACATIONLAND is #32 of 196 in Ohio.
- Member book place in Ohio: #34 of 196.
- One place up in Ohio, Community One Credit Union of Ohio (#55) ties at 89/100; one place down, PARISH (#57) ties at 89/100.
Quarter path for VACATIONLAND
VACATIONLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $320.9M (2025Q4) to $328.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (12.71% → 12.57%).
12.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
VACATIONLAND gives up 11 points in total. Member Growth costs the most, 6.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 13.8 pts
VACATIONLAND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.57% | +0.46 pp |
| Delinquency Rate | 0.83% | -0.06 pp |
| Return on Assets | 0.56% | -0.07 pp |
| Member Growth | -0.29% | - |
| Loan-to-Share Ratio | 66.40% | -5.80 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
VACATIONLAND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $328.1M | - |
| 2025Q4 | $320.9M | 20,702 |
| 2024Q4 | $303.9M | 20,763 |
| 2023Q4 | $297.4M | 20,473 |
Credit Union Details
- Charter Number
- 11293
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Sandusky
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, VACATIONLAND runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Hayes Ave (Main Office) | Sandusky, OH |
| Huron | Huron, OH |
| Norwalk | Norwalk, OH |
| Perkins Ave | Sandusky, OH |
| Vermilion | Vermilion, 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.
Cross-state Call Report peers for VACATIONLAND
Using this data
- VACATIONLAND ranks #1,257 of 4,374 nationally on financial health and #56 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Glass City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Glass City
Frequently Asked Questions
Is VACATIONLAND financially healthy?
VACATIONLAND has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,257 of 4,374 nationally on health and #56 of 196 in Ohio. Its net worth ratio is 12.57% and its delinquency rate 0.83%.
How does VACATIONLAND compare to other credit unions?
VACATIONLAND scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.57% vs 12.11%). Its widest shortfall is loan-to-share ratio (66.40% vs 72.20%).
How can I join VACATIONLAND?
VACATIONLAND 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 VACATIONLAND directly for the exact boundaries and application steps.
Is my money safe at VACATIONLAND?
VACATIONLAND 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. VACATIONLAND's net worth ratio of 12.57% 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.