Federal credit union · Tiltonsville, Ohio · NCUA charter #17550
Ytr Community
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $11.9M
- Total assets
- 1,043
- Members
- 14.5%
- Net-worth ratio
Ytr Community scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.9M; members 1,043; net-worth ratio 14.47%; health rank #2,085 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,085 of 4,374 health · 2025Q4Ytr Community · health 84/100 · $11.9M · 2025Q4
Call Report peers
Ytr Community in the assets neighbourhood
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Ytr Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Ytr Community sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Ytr Community vs $10M–$50M peers
- Largest favorable gap: Return on Assets at 1.28% vs peer 0.70% (+0.58 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.16 pp (51.64% vs 59.80%).
Ohio standing for Ytr Community
- Ohio health ordinal: #92 of 196.
- Ohio assets place: #161 of 196.
- Ohio membership ordinal: #166 of 196.
- One place up in Ohio, Members Trust (#91) ties at 84/100; one place down, Greater Cincinnati School (#93) ties at 84/100.
Quarter path for Ytr Community
Ytr Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $11.9M (2025Q4) to $12.4M (2026Q1).
- Net-worth ratio shifted -0.35 pp (14.82% → 14.47%).
14.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Ytr Community gives up 16 points in total. Delinquency Rate costs the most, 7.5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 10.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.47% | -0.39 pp |
| Delinquency Rate | 1.34% | +0.19 pp |
| Return on Assets | 1.28% | +0.58 pp |
| Member Growth | 1.76% | - |
| Loan-to-Share Ratio | 51.64% | -8.16 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.4M | - |
| 2025Q4 | $11.9M | 1,043 |
| 2024Q4 | $12.2M | 1,025 |
| 2023Q4 | $11.6M | 1,008 |
Credit Union Details
- Charter Number
- 17550
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Tiltonsville
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Ytr Community runs one office.
| Office | City |
|---|---|
| YTR Community Federal Credit Union (Main Office) | Tiltonsville, 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 Ytr Community
Using this data
- Ytr Community ranks #2,085 of 4,374 nationally on financial health and #92 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Whitewater Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Whitewater Community
Frequently Asked Questions
Is Ytr Community financially healthy?
Ytr Community has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,085 of 4,374 nationally on health and #92 of 196 in Ohio. Its net worth ratio is 14.47% and its delinquency rate 1.34%.
How does Ytr Community compare to other credit unions?
Ytr Community scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.28% vs 0.70%). Its widest shortfall is loan-to-share ratio (51.64% vs 59.80%).
How can I join Ytr Community?
Ytr Community 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 Ytr Community directly for the exact boundaries and application steps.
Is my money safe at Ytr Community?
Ytr Community 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. Ytr Community's net worth ratio of 14.47% 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.