Credit Union Safety Analysis
Is Columbiana County School Employees Credit Union Safe? Lisbon, Ohio
Based on its Q2 2026 NCUA 5300 call report, Columbiana County School Employees Credit Union has a net worth ratio of 25.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.65%, 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, Columbiana County School Employees Credit Union's net worth ratio is 25.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 25.39%
- Delinquency ratio (60+ days) (Q2 2026): 0.65%
- Return on assets (Q2 2026): -10.00%
- Loan-to-share ratio (Q2 2026): 44.84%
Columbiana County School Employees Credit Union (NCUA charter 63676, established 1955) reported $6.0M in assets and 813 members for Q2 2026 from Lisbon, Ohio. It ranks 173 of 191 credit unions in Ohio by total assets. Total assets fell 6.7% from $6.5M on June 30, 2025. 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.
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: 27.10% for Q1 2026; 26.46% 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: 0.72% for Q1 2026; 1.08% 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: -2.70% for Q1 2026; 0.93% 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: 45.59% for Q1 2026; 52.13% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $920K
- Used vehicle loans: $644K
- Other unsecured loans and lines of credit: $421K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.0M | 25.39% | 0.65% | -10.00% | 44.84% |
| March 31, 2026 | $6.2M | 27.10% | 0.72% | -2.70% | 45.59% |
| December 31, 2025 | $6.3M | 27.40% | 1.32% | 1.78% | 48.95% |
| September 30, 2025 | $6.4M | 26.66% | 1.09% | -0.86% | 49.75% |
| June 30, 2025 | $6.5M | 26.46% | 1.08% | 0.93% | 52.13% |
| March 31, 2025 | $6.5M | 26.28% | 0.64% | 0.70% | 51.74% |
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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.
Columbiana County School Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 63676) · FFIEC NIC profile (RSSD 885195)
Frequently asked questions
Is Columbiana County School Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Columbiana County School Employees Credit Union's net worth ratio is 25.39%, above the 7% NCUA threshold for well capitalized.
Is Columbiana County School Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Columbiana County School Employees Credit Union is a federally insured credit union (NCUA charter 63676): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Columbiana County School Employees Credit Union's key safety ratios?
For Q2 2026, Columbiana County School Employees Credit Union reports net worth 25.39%, delinquency 0.65%, ROA -10.00%, loan-to-share 44.84%.
What happens to my money if Columbiana County School Employees Credit Union fails?
For Q2 2026, Columbiana County School Employees Credit Union held $4.4M in shares and deposits for 813 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.