Credit Union Safety Analysis
Is Directions Credit Union Safe? Sylvania, Ohio
Based on its Q2 2026 NCUA 5300 call report, Directions Credit Union has a net worth ratio of 9.66%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, 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, Directions Credit Union's net worth ratio is 9.66%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.66%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 1.75%
- Loan-to-share ratio (Q2 2026): 93.15%
Directions Credit Union (NCUA charter 60978, established 1953) reported $1.40B in assets and 97,609 members for Q2 2026 from Sylvania, Ohio. It ranks 7 of 191 credit unions in Ohio by total assets. Total assets grew 3.6% from $1.35B on June 30, 2025. It has 2,828 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 0.29 percentage points from 9.37% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $561.9M of $1.13B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.29% for Q1 2026; 9.37% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.36% for Q1 2026; 0.38% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.53% for Q1 2026; 0.48% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 92.67% for Q1 2026; 93.26% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $561.9M
- Used vehicle loans: $274.9M
- New vehicle loans: $154.0M
- Unsecured credit card loans: $42.1M
- Commercial loans: $38.6M
- Other secured non-real estate loans and lines of credit: $25.9M
- Other unsecured loans and lines of credit: $23.0M
- Non-federally guaranteed student loans: $12.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.40B | 9.66% | 0.37% | 1.75% | 93.15% |
| March 31, 2026 | $1.39B | 9.29% | 0.36% | 0.53% | 92.67% |
| December 31, 2025 | $1.36B | 9.23% | 0.33% | 0.17% | 94.79% |
| September 30, 2025 | $1.34B | 9.33% | 0.39% | 0.40% | 95.49% |
| June 30, 2025 | $1.35B | 9.37% | 0.38% | 0.48% | 93.26% |
| March 31, 2025 | $1.35B | 9.41% | 0.33% | 0.38% | 91.21% |
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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.
Directions Credit Union profile
Regulator records: NCUA credit union profile (charter 60978) · FFIEC NIC profile (RSSD 142898)
Frequently asked questions
Is Directions Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Directions Credit Union's net worth ratio is 9.66%, above the 7% NCUA threshold for well capitalized.
Is Directions Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Directions Credit Union is a federally insured credit union (NCUA charter 60978): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Directions Credit Union's key safety ratios?
For Q2 2026, Directions Credit Union reports net worth 9.66%, delinquency 0.37%, ROA 1.75%, loan-to-share 93.15%.
What happens to my money if Directions Credit Union fails?
For Q2 2026, Directions Credit Union held $1.22B in shares and deposits for 97,609 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.