Code Credit Union Dayton, Ohio
Code Credit Union is a state-chartered credit union headquartered in Dayton, OH, established in 1940 (NCUA charter 66840), and it is regulated and insured by the NCUA. At Q2 2026 it reported 13,186 members and total assets of $175.7M (up 1.6% from Q2 2025), the 54th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 12.11% at Q2 2026, in the well capitalized band.
Also written as Code CU
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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
- 66840
- Headquarters
- Dayton, OH
- Established
- 1940
- Total assets, Q2 2026
- $175.7M
- Assets vs Q2 2025
- +1.6%
- Members, Q2 2026
- 13,186
- Net worth ratio, Q2 2026
- 12.11%
- Latest call report
- Q2 2026, NCUA 5300 · Code Credit Union call report
- Asset rank in state
- 54th of 191 in Ohio
- Routing number
- 242277769
- Branches
- 5
It has 12 more members than on June 30, 2025 (+0.1%). Its net worth ratio was up 0.22 percentage points from 11.89% on June 30, 2025. Commercial loans are its largest loan category, $27.1M of $102.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.98% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.11% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Ohio
Frequently asked about Code Credit Union
How big is Code Credit Union?
At Q2 2026 it reported total assets of $175.7M and 13,186 members.
Where is Code Credit Union headquartered?
It is headquartered in Dayton, OH, United States.
When was Code Credit Union founded?
It was established in 1940, per NCUA records.
Is Code Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66840): 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 Code Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Code Credit Union well capitalized?
Its net worth ratio was 12.11% 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 Code Credit Union's delinquency ratio?
Its delinquency ratio was 0.98% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Code Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 66.78% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dayton, OH 45402
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 66840
- RSSD ID
- 305974
- Members
- 13,186
- Potential members
- 32,965
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.11% | 11.43% | 58th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.32% | 0.81% | 18th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 2.61% | 7.02% | 16th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.51% | 3.70% | 38th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 86.04% | 76.55% | 19th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.19% | 1.24% | 54th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.98% | 0.68% | 33rd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.69% | 4.92% | 35th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 66.78% | 75.66% | 34th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$175.7M total assets against $173.0M; $154.0M total shares and deposits against $151.9M; $102.9M total loans against $103.6M.
$21.3M net worth against $20.6M.
12.11% net worth ratio against 11.89%.
66.78% loan-to-share ratio against 68.24%.
0.98% delinquency ratio against 1.68%.
0.32% return on assets against 0.52%; 2.61% return on equity against 4.39%.
3.51% net interest margin against 3.40%.
13,186 members against 13,174.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.11% | 0.32% | 0.98% | 66.78% |
| March 31, 2026 | 11.96% | 1.10% | 0.75% | 64.82% |
| December 31, 2025 | 11.82% | -0.59% | 0.83% | 66.52% |
| September 30, 2025 | 12.17% | 0.94% | 1.65% | 68.97% |
| June 30, 2025 | 11.89% | 0.52% | 1.68% | 68.24% |
| March 31, 2025 | 11.84% | 1.61% | 1.09% | 67.59% |
Scroll sideways to see every column.
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.