Credit Union Safety Analysis
Is B F G Federal Credit Union Safe? Akron, Ohio
Based on its Q2 2026 NCUA 5300 call report, B F G Federal Credit Union has a net worth ratio of 12.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.23%, 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, B F G Federal Credit Union's net worth ratio is 12.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.77%
- Delinquency ratio (60+ days) (Q2 2026): 0.23%
- Return on assets (Q2 2026): 0.12%
- Loan-to-share ratio (Q2 2026): 84.62%
B F G Federal Credit Union (NCUA charter 511, established 1935) reported $159.6M in assets and 20,440 members for Q2 2026 from Akron, Ohio. It ranks 59 of 191 credit unions in Ohio by total assets. Total assets grew 3.1% from $154.8M on June 30, 2025. It has 499 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was down 0.16 percentage points from 12.93% on June 30, 2025. Used vehicle loans are its largest loan category, $56.6M of $117.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.23% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.41% for Q1 2026; 12.93% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.19% for Q1 2026; 0.27% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.11% for Q1 2026; 0.36% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 81.19% for Q1 2026; 86.18% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $56.6M
- 1- to 4-family residential and other consumer real estate loans: $30.2M
- New vehicle loans: $21.6M
- Unsecured credit card loans: $6.8M
- Other unsecured loans and lines of credit: $1.5M
- Other secured non-real estate loans and lines of credit: $691K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $159.6M | 12.77% | 0.23% | 0.12% | 84.62% |
| March 31, 2026 | $163.8M | 12.41% | 0.19% | 0.11% | 81.19% |
| December 31, 2025 | $162.6M | 12.48% | 0.13% | 0.29% | 82.42% |
| September 30, 2025 | $161.4M | 12.52% | 0.25% | 0.46% | 82.41% |
| June 30, 2025 | $154.8M | 12.93% | 0.27% | 0.36% | 86.18% |
| March 31, 2025 | $154.3M | 12.88% | 0.31% | 0.28% | 82.27% |
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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.
B F G Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 511) · FFIEC NIC profile (RSSD 971678)
Frequently asked questions
Is B F G Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, B F G Federal Credit Union's net worth ratio is 12.77%, above the 7% NCUA threshold for well capitalized.
Is B F G Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. B F G Federal Credit Union is a federally insured credit union (NCUA charter 511): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are B F G Federal Credit Union's key safety ratios?
For Q2 2026, B F G Federal Credit Union reports net worth 12.77%, delinquency 0.23%, ROA 0.12%, loan-to-share 84.62%.
What happens to my money if B F G Federal Credit Union fails?
For Q2 2026, B F G Federal Credit Union held $138.8M in shares and deposits for 20,440 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.