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
- DELQ 88/100
- ROA 10.0%
- ASSETS 1.09%
- MEM 0.70%
- RANK $77.1M
- PHOTO 6,483
- BOOK #1,500/4,374
- CHARTER Postcity Financial
- NCUSIF 7674
Call Report peers
Your Legacy in the assets neighbourhood
Your Legacy's $77.1M assets sit next to Postcity Financial ($77.1M) 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.
Your Legacy 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
Your Legacy - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7674: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Your Legacy: 2025Q4 → 2026Q1
Your Legacy: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $77.1M (2025Q4) to $79.2M (2026Q1).
- Net-worth ratio shifted -0.21 pp (10.18% → 9.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Your Legacy, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($77.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 Your Legacy financially healthy?
Your Legacy scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,500 of 4,374; by total assets it ranks #2,046 of 4,374 nationally (same basis as /rankings/largest); and #85 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.97% net worth ratio and a 1.09% delinquency rate.
How does Your Legacy compare to other credit unions?
PlainCU's health composite puts Your Legacy at 88/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Your Legacy 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. Your Legacy's net worth ratio of 9.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Your Legacy offer compared to banks?
Credit unions like Your Legacy 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 Your Legacy 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.