Ohio's 199 credit unions demonstrated robust profitability in Q3 2025, with ROA climbing to 0.80% from 0.74% quarter-over-quarter and 0.68% year-over-year. NIM expanded to 3.74%, up from 3.63% last quarter and 3.59% a year ago. However, member growth remained negative at -0.78%, though improving from -1.02% last quarter. Delinquencies rose to 0.87% from 0.78% quarterly and 0.66% annually, signaling emerging credit pressures despite strong earnings momentum.
Ohio Credit Unions
Ohio Credit Unions
2025-Q3
199 Credit Unions
Ohio Credit Unions Show Strong Profitability Gains Despite Rising Delinquencies and Member Losses
Key Insights
Year-over-Year Changes
Share Certificate Concentration (%) (Absolute)
▲
2024-Q3
→
2025-Q3
17.73% → 19.15%
(+8.01%)
Fee Income Per Member (Absolute)
▲
2024-Q3
→
2025-Q3
108.11% → 118.29%
(+9.41%)
First Mortgage Concentration (%) (Absolute)
▲
2024-Q3
→
2025-Q3
19.01% → 19.73%
(+3.80%)
Indirect Auto Concentration (%) (Absolute)
▼
2024-Q3
→
2025-Q3
11.30% → 11.21%
(-0.79%)
Net Worth Ratio (Absolute)
▼
2024-Q3
→
2025-Q3
12.85% → 12.78%
(-0.07%)
Quarter-over-Quarter Changes
Share Certificate Concentration (%) (Absolute)
▲
2025-Q2
→
2025-Q3
18.71% → 19.15%
(+2.37%)
Deposit Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
3.17% → 3.43%
(+0.26%)
Member Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
-1.02% → -0.78%
(+0.24%)
Loan Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
-0.89% → -0.04%
(+0.84%)
Fee Income Per Member (Absolute)
▲
2025-Q2
→
2025-Q3
114.09% → 118.29%
(+3.67%)
Key Metrics
Return on Assets
0.80%
▲ YoY2 basis points above national
Net Interest Margin
3.74%
▲ YoY1 basis points above national
Asset Growth
3.50%
— YoYMember Growth
-0.78%
Delinquency Rate
0.87%
▲ YoYNet Worth Ratio
12.78%
AMR Growth
3.47%
Insufficient historical data for trend visualization
Deposit Growth
3.43%
— YoY
Insufficient historical data for trend visualization
Loan Growth
-0.04%
— YoYMember Engagement
Member Growth (YoY %)
Member engagement remained challenged with growth at -0.78% in Q3 2025, though accelerating from -1.02% in Q2 2025. The cohort continues losing members despite improving trends, trailing the national decline of -0.61% by 17 basis points.
Profitability
Return on Assets (%)
Net Interest Margin (%)
Profitability surged across all metrics, with ROA increasing to 0.80% from 0.74% quarterly and 0.68% annually. NIM expanded to 3.74%, up 10 bps quarterly and 14 bps year-over-year, both exceeding national benchmarks.
Growth
Asset Growth (YoY %)
Member Growth (YoY %)
Growth trends showed mixed signals with asset growth stable at 3.50% quarterly but loan growth accelerating to -0.04% from -0.89% last quarter. Deposit growth accelerated to 3.43% from 3.17% quarterly, significantly outpacing national performance.
Risk & Credit Quality
Delinquency Rate (%)
Net Worth Ratio (%)
Risk metrics deteriorated with delinquencies increasing to 0.87% from 0.78% quarterly and 0.66% annually, now 3 bps above national levels. Net worth improved to 12.78% from 12.62% quarterly but declined 7 bps year-over-year.
Portfolio Mix
First Mortgage (%)
Indirect Auto (%)
Share Certificates (%)
Portfolio composition shifted toward certificates, rising to 19.15% from 18.71% quarterly and 17.73% annually. First mortgage concentration reached 19.73%, up 3.80 pp year-over-year, while indirect auto lending remained elevated at 11.21% versus 7.90% nationally.
Strategic Implications
- • Rising delinquencies despite strong profitability suggest need for enhanced credit monitoring and risk management protocols.
- • Persistent member losses require focused retention strategies and digital engagement initiatives to reverse negative growth trends.
- • Strong deposit growth and NIM expansion provide capital for strategic lending initiatives and technology investments.
- • Certificate concentration increases indicate member preference for guaranteed returns, requiring competitive rate positioning.
- • Above-average indirect auto exposure warrants portfolio diversification to reduce concentration risk in volatile segments.
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Notable Patterns
How This Cohort Compares to National
Assets Per Member (annual) is 208.2pp above national
Loan To Member Ratio (Quarterly) is 82.6pp above national
Loan To Member Ratio (Annual) is 29.9pp above national
Fee Income Per Member is 3.8pp below national
Indirect Auto Pct is 3.3pp above national
Data Quality Notes
4 metric(s) had extreme values filtered using MAD-based, z-score > 5.0.
Total Delinquency Rate (60+ days) (Absolute)
12 CU(s) excluded
Raw average: 1.45% →
Cleaned average: 0.87%
View excluded credit unions
- SORG BAY WEST (6772) - 4.32%
- MORROW COUNTY (21606) - 4.36%
- TEAMSTERS LOCAL 92 (19430) - 4.43%
- PLUMBERS 55 (18013) - 5.20%
- L. E. O. (66329) - 5.68%
- JEEP COUNTRY (2918) - 5.74%
- NUEVA ESPERANZA COMMUNITY (68603) - 5.95%
- ANTIOCH (96660) - 6.52%
- FAITH COMMUNITY UNITED (96706) - 7.19%
- SHAKER HEIGHTS (3787) - 14.90%
- HEEKIN CAN EMPL (96821) - 18.55%
- MT ZION WOODLAWN (18562) - 42.03%
Net Worth Ratio (Absolute)
9 CU(s) excluded
Raw average: 13.78% →
Cleaned average: 12.78%
View excluded credit unions
- HEEKIN CAN EMPL (96821) - 76.48%
- NUEVA ESPERANZA COMMUNITY (68603) - 46.59%
- NORTH COAST CREDIT UNION (95786) - 43.12%
- M G EMPLOYEES (21787) - 34.25%
- ANTIOCH (96660) - 33.55%
- TAPPAN COMMUNITY CREDIT UNION, INC. (96796) - 32.47%
- NICKEL STEEL (9000) - 31.76%
- FAITH COMMUNITY UNITED (96706) - 29.92%
- TEAMSTERS LOCAL 92 (19430) - -14.69%
Return on Assets (ROA) (Absolute)
5 CU(s) excluded
Raw average: 0.53% →
Cleaned average: 0.80%
View excluded credit unions
- MAUMEE VALLEY (97053) - -2.25%
- TOLEDO URBAN (24578) - -3.07%
- MAHONING VALLEY (14469) - -6.65%
- HEEKIN CAN EMPL (96821) - -6.82%
- TEAMSTERS LOCAL 92 (19430) - -31.00%
Member Growth (YoY) (Absolute)
4 CU(s) excluded
Raw average: -1.05% →
Cleaned average: -0.78%
View excluded credit unions
- KYGER CREEK (96737) - 22.58%
- MAUMEE VALLEY (97053) - -22.99%
- LOCAL 50 PLUMBERS & STEAMFTRS (19723) - -23.46%
- HEEKIN CAN EMPL (96821) - -31.76%