Columbiana County School Employees Credit Union Lisbon, Ohio
Columbiana County School Employees Credit Union is a state-chartered credit union headquartered in Lisbon, OH, established in 1955 (NCUA charter 63676), and it is regulated and insured by the NCUA. At Q2 2026 it reported 813 members and total assets of $6.0M (down 6.7% from Q2 2025), the 173rd largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 25.39% at Q2 2026, in the well capitalized band.
Also written as Columbiana County School Employees CU
BankRegReports is independent of Columbiana County School Employees Credit Union and never asks for online banking logins or passwords.
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
- 63676
- Headquarters
- Lisbon, OH
- Established
- 1955
- Total assets, Q2 2026
- $6.0M
- Assets vs Q2 2025
- -6.7%
- Members, Q2 2026
- 813
- Net worth ratio, Q2 2026
- 25.39%
- Latest call report
- Q2 2026, NCUA 5300 · Columbiana County School Employees Credit Union call report
- Asset rank in state
- 173rd of 191 in Ohio
- Routing number
- 241279632
- Branches
- 2
It has 89 fewer members than on June 30, 2025 (-9.9%). Its net worth ratio was down 1.07 percentage points from 26.46% on June 30, 2025. New vehicle loans are its largest loan category, $920K of $2.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.65% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 25.39% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about Columbiana County School Employees Credit Union
How big is Columbiana County School Employees Credit Union?
At Q2 2026 it reported total assets of $6.0M and 813 members.
Where is Columbiana County School Employees Credit Union headquartered?
It is headquartered in Lisbon, OH, United States.
When was Columbiana County School Employees Credit Union founded?
It was established in 1955, per NCUA records.
Is Columbiana County School Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63676): 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 Columbiana County School Employees 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 Columbiana County School Employees Credit Union well capitalized?
Its net worth ratio was 25.39% 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 Columbiana County School Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.65% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Columbiana County School Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 44.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lisbon, OH 44432
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 63676
- RSSD ID
- 885195
- Members
- 813
- Potential members
- 1,000
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 3 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 25.39% | 14.31% | 89th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -10.00% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -39.39% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.03% | 3.93% | 86th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.11% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.65% | 0.86% | 60th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.13% | 4.70% | 67th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 44.84% | 58.92% | 29th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.0M total assets against $6.5M; $4.4M total shares and deposits against $4.7M; $2.0M total loans against $2.5M.
$1.5M net worth against $1.7M.
25.39% net worth ratio against 26.46%.
44.84% loan-to-share ratio against 52.13%.
0.65% delinquency ratio against 1.08%.
-10.00% return on assets against 0.93%; -39.39% return on equity against 3.50%.
5.03% net interest margin against 4.87%.
813 members against 902.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 25.39% | -10.00% | 0.65% | 44.84% |
| March 31, 2026 | 27.10% | -2.70% | 0.72% | 45.59% |
| December 31, 2025 | 27.40% | 1.78% | 1.32% | 48.95% |
| September 30, 2025 | 26.66% | -0.86% | 1.09% | 49.75% |
| June 30, 2025 | 26.46% | 0.93% | 1.08% | 52.13% |
| March 31, 2025 | 26.28% | 0.70% | 0.64% | 51.74% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.