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Ohio Credit Union Performance
How the 195 credit unions based in Ohio are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Ohio's 195 credit unions serve 3,302,703 members and hold $50.28B in combined assets. The median Ohio credit union earned a 0.71% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Ohio credit unions was -1.03%, compared with -0.55% nationally. Median one-year asset growth was 3.39%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Ohio at a glance
Ohio vs. the United States
System totals are the sum of every credit union in Ohio. The share column is Ohio's portion of the national figure.
| Measure | Ohio | United States | Ohio share |
|---|---|---|---|
| Credit unions | 195 | 4,335 | 4.5% |
| Members | 3,302,703 | 147,031,529 | 2.2% |
| Residents (population) | 11,883,304 | 340,110,988 | 3.5% |
| Total assets | $50.28B | $2,507.50B | 2.0% |
| Total loans | $33.97B | $1,744.86B | 1.9% |
| Total shares & deposits | $43.19B | $2,143.21B | 2.0% |
| Total net worth | $5.69B | $282.23B | 2.0% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Ohio credit unions report about 28 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Ohio credit unions serve members in other states, so it overstates true in-state penetration.)
The median Ohio credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Ohio CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.71% | 0.66% |
| Net worth ratio | 11.96% | 12.44% |
| Loan-to-share ratio | 63.56% | 67.86% |
| Delinquency ratio | 0.70% | 0.63% |
| Net charge-off ratio | 0.29% | 0.33% |
| Cost of funds | 1.07% | 1.05% |
| Member growth (1 yr) | -1.03% | -0.55% |
| Asset growth (1 yr) | 3.39% | 2.78% |
| Loan growth (1 yr) | 0.47% | 0.63% |
| Share growth (1 yr) | 3.20% | 2.36% |
| Net worth growth (1 yr) | 6.20% | 5.57% |
Trends over time
The median Ohio credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.74% · 0.72%
— Ohio ‑‑ U.S.
Net worth ratio 11.83% · 12.46%
— Ohio ‑‑ U.S.
Loan-to-share ratio 64.70% · 69.70%
— Ohio ‑‑ U.S.
Delinquency ratio 0.81% · 0.72%
— Ohio ‑‑ U.S.
Asset growth (1 yr) 4.94% · 3.26%
— Ohio ‑‑ U.S.
Member growth (1 yr) -0.92% · -0.52%
— Ohio ‑‑ U.S.
Ohio leaderboards
Largest by assets
- 1 Wright-patt Credit Union, Inc. $9.61B
- 2 General Electric Credit Union $4.23B
- 3 KEMBA Financial Credit Union $2.42B
- 4 Seven Seventeen Credit Union $2.03B
- 5 Superior Credit Union, INC $1.93B
- 6 Kemba Credit Union $1.78B
- 7 Directions Credit Union $1.39B
- 8 Telhio Credit Union $1.34B
- 9 Day Air Credit Union $892.9M
- 10 CinFed Employees Credit Union $856.9M
Highest return on assets
- 1 Dynamic Credit Union 2.47%
- 2 Day Air Credit Union 2.25%
- 3 Geauga Credit Union 2.12%
- 4 LorMet Community Credit Union 1.78%
- 5 C E S Credit Union 1.78%
- 6 Medina County Credit Union 1.73%
- 7 Barberton Community Credit Union 1.72%
- 8 Superior Credit Union, INC 1.72%
- 9 Dover-Phila Credit Union 1.71%
- 10 Millstream Area Credit Union 1.57%
Fastest-growing (organic)
- 1 Kenton Rockwell Standard Credit Union 15.04%
- 2 Atomic Employees Credit Union 13.13%
- 3 Dynamic Credit Union 13.05%
- 4 Medina County Credit Union 11.81%
- 5 Geauga Credit Union 11.20%
- 6 DayMet Credit Union 11.00%
- 7 CinFed Employees Credit Union 10.84%
- 8 Toledo Metro Credit Union 10.30%
- 9 Firelands Credit Union 10.20%
- 10 Associated School Employees Credit Union 10.17%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Ohio that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.