State overview · Q4 2025

Ohio Credit Unions

All 196 federally-insured credit unions in Ohio, ranked by financial health, from NCUA 5300 Call Reports.

196
Credit unions
3.3M
Members
$49.7B
Combined assets
79/100
Avg health

Health-score distribution

How Ohio's 196 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)118 CUsGood (60–79)57 CUsFair (40–59)16 CUsWeak (<40)5 CUs

All Credit Unions in Ohio

Credit Union Health
Deca Cincinnati 100
Oc GARFIELD HTS 100
Painesville Credit Union Painesville 100
New Horizon Barberton 99
River Valley Miamisburg 99
Fremont Fremont 98
Associated School Employees Youngstown 97
Bmi Dublin 97
Kemba Financial Gahanna 97
Materion ELMORE 96
Medina County Wadsworth 96
St. James Parish Cincinnati 96
C E S MOUNT VERNON 95
Dynamic CELINA 95
Glass City Maumee 95
Cinfed Cincinnati 94
Atomic Piketon 93
Educational Community Alliance TOLEDO 93
Kyger Creek Cheshire 93
Members Choice GREENVILLE 93
Middletown Area Schools Middletown 93
Whitewater Community harrison 93
Canton School Employees North Canton 92
Cincinnati Ohio Police CINCINNATI 92
Stark canton 92
Superior Credit Union, Inc LIMA 92
Toledo Fire Fighters Toledo 92
Bay Area Oregon 91
Bfg AKRON 91
Eight Rossford 91
First Service Groveport 91
Hopewell Heath 91
Pillar MARION 91
Scott Associates Marysville 91
Southeastern Ohio Cambridge 91
Cleveland Police CLEVELAND 90
Code Dayton 90
Firstenergy Family Akron 90
Integrity BARBERTON 90
Kemba West Chester 90
Lormet Community Amherst 90
Brewster Brewster 89
Kh Credit Union, Inc. Dayton 89
Ohio Educational Cleveland 89
Parish TOLEDO 89
Seven Seventeen Warren 89
State Highway Patrol COLUMBUS 89
Summit Akron 89
Vacationland Sandusky 89
Best Reward Brook Park 88
Children's Medical Center Cincinnati 88
Day Air Kettering 88
Firelands Bellevue 88
Latvian Cleveland LAKEWOOD 88
Northwestern Bryan 88
Ohio Valley Community Clarington 88
Riverview Belpre 88
Sun Maumee 88
The Catholic AVON LAKE 88
Truecore NEWARK 88
Wiremen's Parma 88
Wright-patt Credit Union, Inc. Beavercreek 88
Your Legacy Tiffin 88
Directions Toledo 87
Genesis Employees Zanesville 87
L C E Painesville 87
Quest Kenton 87
Sharefax CINCINNATI 87
St. Josephs Canton Parish Canton 87
Abbey Vandalia 86
Carey Poverello Carey 86
Desco PORTSMOUTH 86
Greater Wayne Community Rittman 86
Impact Credit Union, Inc. Clyde 86
Midwest Community Defiance 86
Towpath Fairlawn 86
Ashland Community Ashland 85
Dover-phila Dover 85
Ibew 141 SAINT CLAIRSVIL 85
Local Union 392 Cincinnati 85
Oucu Financial Credit Union, Inc. Athens 85
Postal Family Credit Union, Inc. CINCINNATI 85
U.p.s. Cincinnati 85
Christo Rey NEY 84
Hancock Findlay 84
Members Trust Mason 84
Ytr Community Tiltonsville 84
Achieve ELYRIA 83
Cleveland Selfreliance Parma 83
First Ohio Community North Canton 83
Harvest Heath 83
Christian Family NORTH CANTON 82
Cincinnati Interagency Cincinnati 82
Cme COLUMBUS 82
Community One Credit Union of Ohio North Canton 82
Miami University Community Oxford 82
Ohio Teamsters INDEPENDENCE 82
Softite Community Martins Ferry 82
University of Toledo Toledo 82
Cincinnati Healthcare Associates Cincinnati 81
Day-met Dayton 81
Falls Catholic Cuyahoga Falls 81
Friends and Family Credit Union Inc MASSILLON 81
Mcdonald Community MC DONALD 81
Millstream Area Findlay 81
Toledo Metro TOLEDO 81
Acme EASTLAKE 80
Allwealth Hamilton 80
Century Independence 80
Doy Youngstown 80
Education First Credit Union, Inc. Columbus 80
Fasson Employees PAINESVILLE 80
Genfed Financial Akron 80
Lakeview Ashtabula 80
M G Employees Marysville 80
Minerva Area Minerva 80
Pse Credit Union, Inc. Parma 80
Solon/chagrin Falls SOLON 80
Chivaho Chillicothe 79
North Coast Credit Union FAIRVIEW PARK 79
Ohio Healthcare DUBLIN 79
Promedica Toledo 79
Sylvania Area SYLVANIA 79
Valley One Community Steubenville 79
Champion Toledo 78
Homeland CHILLICOTHE 78
S and J School Employees Wintersville 78
St. Colman & Affiliates Cleveland 78
Commodore Perry OAK HARBOR 77
Community First Ashtabula 77
Local 50 Plumbers & Steamftrs Northwood 77
Pathways Financial Columbus 77
Presidents CLEVES 77
All Saints Parma 76
Firefighters & Company DAYTON 76
Myusa Middletown 76
Unity Catholic Parma 76
Geauga burton 75
General Electric Cincinnati 75
Gorman-rupp & Associates Mansfield 75
Greater Cincinnati School Cincinnati 75
St. Paschal Baylons HIGHLAND HEIGHT 75
W T Community Cincinnati 75
Bridge Powell 74
Cardinal Credit Union, Inc. Mentor 74
Golden Circle Massillon 74
Mahoning Valley Youngstown 72
540 I.b.e.w. Massillon 71
Bse Cleveland 71
Columbiana County School Empl Lisbon 71
Community Star Elyria 71
Lan-fair LANCASTER 71
The Way New Knoxville 71
Theory PAINESVILLE 71
Wes Willoughby 71
Ih Credit Union, Inc. SPRINGFIELD 70
Topmark Cridersville 70
Firefighters Community Cu Cleveland 67
Universal 1 Dayton 67
Cincinnati Employees Harrison 66
Erie Community Sandusky 66
Telhio Columbus 66
Aurgroup Fairfield 65
Ohio Valley Batavia 65
Nickel Steel lima 64
Eaton Family Euclid 63
Morrow County Mount Gilead 63
Steel Valley Cleveland 63
Buckeye State Akron 62
Dn Community Canton 62
Port Conneaut Conneaut 62
Wayne County Community Smithville 62
Emerald Credit Union, Inc. GARFIELD HTS 61
Tappan Community Credit Union, Inc. MANSFIELD 61
Cleveland Church of Christ CLEVELAND 60
Champion Cambridge 59
Faith Community United CLEVELAND 59
Trupartner CINCINNATI 59
Advantage Mansfield 58
Credit Union of Ohio Hilliard 57
Greater Cleveland Community Cleveland 56
L. E. O. Painesville 56
Toledo Police Toledo 56
Wright-dunbar Area Dayton 56
Antioch Cleveland 52
Holy Family Parma Parma 50
Shaker Heights Shaker Heights 47
Firestone Akron 46
Heekin Can Empl CINCINNATI 45
Nueva Esperanza Community Toledo 45
Jeep Country Holland 44
Sorg Bay West MIDDLETOWN 36
Mt Zion Woodlawn CINCINNATI 32
Noteworthy Cleveland 28
Teamsters Local 92 Canton 26
Toledo Urban Toledo 25

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Ohio

Ohio is home to 196 federally-insured credit unions collectively serving 3.3M members with $49.7B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 79/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Deca of Cincinnati currently leads the cohort with a health score of 100/100, while the full distribution spans 196 institutions ranked below.

The health distribution breaks into four bands: 118 credit unions score 80–100 (Excellent), 57 score 60–79 (Good), 16 score 40–59 (Fair), and 5 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Ohio's 196 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Explore more: Healthiest credit unions · Largest by assets · How health scores work

Frequently Asked Questions

How many credit unions are in Ohio?

There are 196 federally-insured credit unions in Ohio as of Q4 2025, with a combined 3.3M members and $49.7B in total assets. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Ohio?

Based on NCUA Q4 2025 data, Deca in Cincinnati ranks highest in Ohio with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Read our methodology - how this data is sourced, computed, and verified.