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
- DELQ 84/100
- ROA 14.5%
- ASSETS 1.34%
- MEM 1.28%
- RANK $11.9M
- PHOTO 1,043
- BOOK #2,085/4,374
- CHARTER GENERATIONS
- NCUSIF 17550
Call Report peers
Ytr Community in the assets neighbourhood
Ytr Community's $11.9M assets sit next to GENERATIONS ($11.9M) 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.
Ytr Community 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
84 Top 50% higher than 50% 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
Ytr Community - Share Insurance Coverage
Charter #17550's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Ytr Community
- Ohio health ordinal: #92 of 196.
- Ohio assets place: #161 of 196.
- Ohio membership ordinal: #166 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.
Quarter path for Ytr Community
Ytr Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $11.9M (2025Q4) to $12.4M (2026Q1).
- Net-worth ratio shifted -0.35 pp (14.82% → 14.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Ytr Community's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- 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 Ytr Community financially healthy?
A 14.47% net worth ratio and a 1.34% delinquency rate feed into Ytr Community's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,085 of 4,374; by total assets it ranks #3,459 of 4,374 nationally (same basis as /rankings/largest); and #161 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Ytr Community compare to other credit unions?
Ytr Community scores 84/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Ytr Community 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. Ytr Community's net worth ratio of 14.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ytr Community offer compared to banks?
Credit unions like Ytr Community 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 Ytr Community 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.