# CREDIT UNION OF OHIO
Hilliard, OH · NCUA charter 68561 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-ohio-68561

Who the members are: state charter. 22,320 members of 5,328,574 potential (0.4% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $207.6M |
| Members | 22,320 (-0.6% YoY) |
| Full-time staff | 45 |
| Net worth | $21.9M |
| Net worth ratio | 10.6% (p39 of band) |
| ROA (annualized) | 0.21% (p16 of band) |
| Total delinquency | 0.97% (p78 of band) |
| Net charge-offs (annualized) | 0.76% (p80 of band) |
| Loans / shares | 48% (p5 of band) |
| Cash / assets | 37.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p41 of band) |
| Operating expense / assets | 4.71% (p89 of band) |
| Vehicles % of loans | 32% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.90% (p72 of band) |
| Vehicle NCO | 0.28% (p27 of band) |
| Repossessed % of vehicle book | 0.11% (p74 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 17% |
| Average share balance | $4,735 |
| Participations bought / yr | $260,000 |
| Participations sold / yr | $0 |
| Participations outstanding | $65,000 |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $9,960 |
| Loans granted, annualized | $16.2M |

## Participation posture (from the same filings)

Bought $260,000 and sold $0 in the latest annualized quarter; $65,000 outstanding purchased (0.3% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 1.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | assets shrinking |  |
| 2018-06 | 1 | delinquency 2x band | assets shrinking |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 1 | delinquency 2x band |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 2 | net worth falling | losing money |
| 2020-09 | 3 | losing money |  |
| 2020-12 | 1 | margin squeeze | delinquency 2x band, net worth falling, losing money |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | net worth falling |  |
| 2021-09 | 2 | delinquency 2x band | net worth falling |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | assets shrinking | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | assets shrinking |
| 2025-03 | 3 | net worth falling, losing money, charge-offs p90 | delinquency 2x band |
| 2025-06 | 0 |  | net worth falling, losing money, charge-offs p90 |
| 2025-09 | 1 | expense trap |  |
| 2025-12 | 0 |  | expense trap |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-08 [Credit Union of Ohio celebrates investment in member experience - CUInsight](https://news.google.com/rss/articles/CBMipwFBVV95cUxNR2d6Ri1uMGdzRC1rS2txdTR4ZWNrZVlNdzYtUWZuYlVzRFFRMlFwT2FMZmZZbWFLQUhTWklSSU9ERXJ0MXViZnBXNmJKZTFFU1pLSTJzb1ZrTl9rUUxpXzRHUzZtU3BPTDF4Ymg4UVF1MFBLU2ttYUF3WkJxRUFIVDFaZ0xuQWxmbDFqaFZYd1VSb3E4NUxfVGVkVmZsbUxpYnZpYW5TOA?oc=5) · CUInsight
- 2026-04-30 [Superior CU Named #63 Best-Performing Credit Union in U.S. - Mercer County Outlook](https://news.google.com/rss/articles/CBMiogFBVV95cUxQQmY3dmlsdXpHdkxNOEFMZkR0eml6N3VEWHNJc1hia190TWI4cUhBNmJzd2plNlZ1c1NTaHh4aXVmeW55c2w5aW5Tc1l4ZFc4RWM1QldhRTBocEJma3dueURpOXZiVVkza1paRk5VYVhaSjVrc2ZuclhCMjRYbC1oUHM2VWJmb2VOTlRkZW44NHdMMDN2YVFHUE4zU2VBRGY3eHc?oc=5) · Mercer County Outlook
- 2026-06-28 [Wright-Patt Credit Union celebrates grand opening of Tipp City location - Miami Valley Today](https://news.google.com/rss/articles/CBMiowFBVV95cUxOY2xyRDYwYnFJSEpwTWw0T05SaFZFSDNmMi1SNVZjV3JkNEE3dWlsOE51U0JnWXdOdS04NThETVN6N3BPRmJtdndBUkZNNU93a2pFckN6VzNSTmR2QXdkQkxmcFgtZW9sVVN6aV95T1d6Zy04QVRxQTA1d3NWYjBkc2tMaVNMMVBwa2wtc2QyQXd5ZUhlWFhLV0M3WG55RUJ1b0xn?oc=5) · Miami Valley Today
- 2025-11-22 [David L. Poliquin Obituary Nov 22, 2025 - newcomerdayton.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9CeFFfaDI0TE5TNTRaVFk3QkduYUpHSnFhS3ZMdXNkdUE4bUtGU1pDSXA3S2U4Q3JVak9aSFdfSlY2b2s5U2VqaW1OY3BwWnVsblQ4bkt1UG1BZ1ctRE1jNmU0UHAxVnM?oc=5) · newcomerdayton.com
- 2026-02-23 [Robert Cravens Obituary (2026) - Wellston, OH - McWilliams Funeral Home - Wellston - OregonLive.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPTEU2OU9GT1FmendWd3ozVVRPX1Q1aElWcjBhMTU1MTBHWi1UQmtzV3RQZTlHc21rbDNudlRQMHNfUjlFVi1jdnd3bXJQOGFvWnJJQ1hTV2VXSVZoUTZoWXl3WGRyODhVYjNPdTZ3clhXcmtVMVQ1aVhXOENXVmlGTzMzRWtGbVR3VDFBY0dxdTltX2NjOV9KdQ?oc=5) · OregonLive.com
- 2026-07-18 [Roger D. Strausbaugh Obituary (2026) - Chillicothe, OH - Fawcett Oliver Glass and Palmer Funeral Home - Chillicothe - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxQaVVwTjdsSl9LS0V5cmwtY1ZoVW9wSS1ROEJkUjBmNF9pR0lvTVlQTjRFNmxWbEg2dVI1aTY0WUtxeVprR1BObU1tbHNOR1Nta1o2VHRSMW1sbFZyeGFYZVdTQUhPVXlKckNsTF9LbVllRlFic0R4bTZFcm95S01mbEpYcW44Sk0?oc=5) · Legacy obituary
- 2025-08-21 [Superior Credit Union, one of Ohio’s largest, opens Cincinnati branch with eye toward more - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSkcyOEphNDJnWmZYNjZkeWlEU1JpaVdkOTJmMFF2MG14Y0Y0UnBCcWNDWG1qTFNjelR1V21MOFdieVdQTkEyRWJkQ3R6YjgtZGVycXlQekV0TGg5dmpLVHZzRkpEZ2VTMEZzcGZqbkNfLS1CVS0xdVo5YnFlX0pGZVVhb1ptT0ZZeEhiU2d4RWZoM3YxT1BVS2hNQk9zRk5lampCU0VzeWUxQ1k?oc=5) · The Business Journals
- 2025-10-23 [Painesville Credit Union cuts the ribbon on North Perry branch - gazettenews.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQNDB6N1RmbjZ2UGhNVFh6b0xlQXZVVmNtN09wWmREZU9DbnFZbkYtUFg4cFNjdGEtVW5BR0lkQWlybkV0eW5YSno0dF9ac2lYZVdQUzdtazlXQmZIY3IzOWR1TWpSUVBlR1dsTkRLUTNMaGhuRk5JbHkwME5Xa3pscFU4Z2E4LXQ5QnVnTXd0Z1Q?oc=5) · gazettenews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68561 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "68561", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68561
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide