540 I. B. E. W. Credit Union, Inc. Massillon, Ohio
540 I. B. E. W. Credit Union, Inc. is a state-chartered credit union headquartered in Massillon, OH (NCUA charter 96652), and it is regulated and insured by the NCUA. At Q2 2026 it reported 434 members and total assets of $1.5M (up 7.5% from Q2 2025), the 185th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 11.57% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 96652
- Headquarters
- Massillon, OH
- Established
- Not reported
- Total assets, Q2 2026
- $1.5M
- Assets vs Q2 2025
- +7.5%
- Members, Q2 2026
- 434
- Net worth ratio, Q2 2026
- 11.57%
- Latest call report
- Q2 2026, NCUA 5300 · 540 I. B. E. W. Credit Union, Inc. call report
- Asset rank in state
- 185th of 191 in Ohio
- Routing number
- 241274640
- Branches
- 1
It has 8 more members than on June 30, 2025 (+1.9%). Its net worth ratio was down 0.23 percentage points from 11.80% on June 30, 2025. Used vehicle loans are its largest loan category, $586K of $926K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.24% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.57% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about 540 I. B. E. W. Credit Union, Inc.
How big is 540 I. B. E. W. Credit Union, Inc.?
At Q2 2026 it reported total assets of $1.5M and 434 members.
Where is 540 I. B. E. W. Credit Union, Inc. headquartered?
It is headquartered in Massillon, OH, United States.
Is 540 I. B. E. W. Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 96652): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates 540 I. B. E. W. Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is 540 I. B. E. W. Credit Union, Inc. well capitalized?
Its net worth ratio was 11.57% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is 540 I. B. E. W. Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 2.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is 540 I. B. E. W. Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 70.06% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Massillon, OH 44646
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 96652
- RSSD ID
- 683391
- Members
- 434
- Potential members
- 1,122
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.57% | 14.31% | 28th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.83% | 0.72% | 55th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.17% | 4.74% | 65th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.58% | 3.93% | 36th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 79.61% | 79.83% | 50th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.17% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.24% | 0.86% | 23rd bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.75% | 4.70% | 12th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 70.06% | 58.92% | 66th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.5M total assets against $1.4M; $1.3M total shares and deposits against $1.2M; $926K total loans against $961K.
$173K net worth against $164K.
11.57% net worth ratio against 11.80%.
70.06% loan-to-share ratio against 78.33%.
2.24% delinquency ratio against 2.67%.
0.83% return on assets against 0.46%; 7.17% return on equity against 3.93%.
3.58% net interest margin against 3.55%.
434 members against 426.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.57% | 0.83% | 2.24% | 70.06% |
| March 31, 2026 | 12.18% | 0.98% | 1.72% | 75.85% |
| December 31, 2025 | 11.58% | 0.05% | 3.77% | 74.34% |
| September 30, 2025 | 11.53% | 0.60% | 2.25% | 72.67% |
| June 30, 2025 | 11.80% | 0.46% | 2.67% | 78.33% |
| March 31, 2025 | 11.62% | 0.34% | 4.31% | 69.75% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.