Federal credit union · Tiffin, Ohio · NCUA charter #7674
Your Legacy
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $77.1M
- Total assets
- 6,483
- Members
- 10.0%
- Net-worth ratio
Your Legacy scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.1M; members 6,483; net-worth ratio 9.97%; health rank #1,500 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,500 of 4,374 health · 2025Q4Your Legacy · health 88/100 · $77.1M · 2025Q4
Call Report peers
Your Legacy in the assets neighbourhood
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Your Legacy vs every NCUA-scored credit union
Your Legacy 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
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
Your Legacy: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 63.64% here, 62.60% peer average (+1.04 pp).
- Largest lag: Net Worth Ratio at 9.97% vs peer 13.62% (-3.65 pp).
Ohio standing for Your Legacy
- Health composite ranks #70 of 196 among scored Ohio credit unions.
- Assets rank #85 of 196 inside Ohio ($77.1M reported).
- Member book place in Ohio: #85 of 196.
- One place up in Ohio, Wright-Patt Credit Union, Inc. (#69) ties at 88/100; one place down, QUEST (#71) ties at 88/100.
Your Legacy: 2025Q4 → 2026Q1
Your Legacy: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $77.1M (2025Q4) to $79.2M (2026Q1).
- Net-worth ratio shifted -0.21 pp (10.18% → 9.97%).
At 9.97%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Your Legacy gives up 12 points in total. Delinquency Rate costs the most, 5.7 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 19.3 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 13.5 pts
Your Legacy vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.97% | -3.65 pp |
| Delinquency Rate | 1.09% | +0.13 pp |
| Return on Assets | 0.70% | +0.05 pp |
| Member Growth | 1.12% | - |
| Loan-to-Share Ratio | 63.64% | +1.04 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $79.2M | - |
| 2025Q4 | $77.1M | 6,483 |
| 2024Q4 | $71.9M | 6,411 |
| 2023Q4 | $71.5M | 6,501 |
Credit Union Details
- Charter Number
- 7674
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Tiffin
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Your Legacy.
| Office | City |
|---|---|
| Main Office (Main Office) | Tiffin, OH |
| Office | Tiffin, 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.
Other-state peers near Your Legacy
Similar total assets
Using this data
- Your Legacy ranks #1,500 of 4,374 nationally on financial health and #70 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Eaton Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Eaton Family
Frequently Asked Questions
Is Your Legacy financially healthy?
On its 2025Q4 NCUA 5300 filing, Your Legacy scores 88/100 (Excellent), with a 9.97% net worth ratio and 1.09% of loans delinquent. It ranks #1,500 of 4,374 nationally on health and #70 of 196 in Ohio.
How does Your Legacy compare to other credit unions?
Your Legacy scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (63.64% vs 62.60%). Its widest shortfall is net worth ratio (9.97% vs 13.62%).
How can I join Your Legacy?
Your Legacy 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 Your Legacy directly for the exact boundaries and application steps.
Is my money safe at Your Legacy?
Your Legacy 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. Your Legacy's net worth ratio of 9.97% 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.