Credit Union Safety Analysis
Is 540 I. B. E. W. Credit Union, Inc. Safe? Massillon, Ohio
Based on its Q2 2026 NCUA 5300 call report, 540 I. B. E. W. Credit Union, Inc. has a net worth ratio of 11.57%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.24%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, 540 I. B. E. W. Credit Union, Inc.'s net worth ratio is 11.57%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.57%
- Delinquency ratio (60+ days) (Q2 2026): 2.24%
- Return on assets (Q2 2026): 0.83%
- Loan-to-share ratio (Q2 2026): 70.06%
540 I. B. E. W. Credit Union, Inc. (NCUA charter 96652) reported $1.5M in assets and 434 members for Q2 2026 from Massillon, Ohio. It ranks 185 of 191 credit unions in Ohio by total assets. Total assets grew 7.5% from $1.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.18% for Q1 2026; 11.80% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.72% for Q1 2026; 2.67% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.98% for Q1 2026; 0.46% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 75.85% for Q1 2026; 78.33% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $586K
- New vehicle loans: $283K
- Other unsecured loans and lines of credit: $57K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.5M | 11.57% | 2.24% | 0.83% | 70.06% |
| March 31, 2026 | $1.4M | 12.18% | 1.72% | 0.98% | 75.85% |
| December 31, 2025 | $1.4M | 11.58% | 3.77% | 0.05% | 74.34% |
| September 30, 2025 | $1.4M | 11.53% | 2.25% | 0.60% | 72.67% |
| June 30, 2025 | $1.4M | 11.80% | 2.67% | 0.46% | 78.33% |
| March 31, 2025 | $1.4M | 11.62% | 4.31% | 0.34% | 69.75% |
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Free to use. It shows 540 I. B. E. W. Credit Union, Inc.’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
540 I. B. E. W. Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 96652) · FFIEC NIC profile (RSSD 683391)
Frequently asked questions
Is 540 I. B. E. W. Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, 540 I. B. E. W. Credit Union, Inc.'s net worth ratio is 11.57%, above the 7% NCUA threshold for well capitalized.
Is 540 I. B. E. W. Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. 540 I. B. E. W. Credit Union, Inc. is a federally insured credit union (NCUA charter 96652): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are 540 I. B. E. W. Credit Union, Inc.'s key safety ratios?
For Q2 2026, 540 I. B. E. W. Credit Union, Inc. reports net worth 11.57%, delinquency 2.24%, ROA 0.83%, loan-to-share 70.06%.
What happens to my money if 540 I. B. E. W. Credit Union, Inc. fails?
For Q2 2026, 540 I. B. E. W. Credit Union, Inc. held $1.3M in shares and deposits for 434 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.