Eight Federal Credit Union Rossford, Ohio
Eight Federal Credit Union is a federal credit union headquartered in Rossford, OH, established in 1970 (NCUA charter 20222), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,543 members and total assets of $25.3M (up 5.7% from Q2 2025), the 134th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 14.76% at Q2 2026, in the well capitalized band.
Also written as Eight FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20222
- Headquarters
- Rossford, OH
- Established
- 1970
- Total assets, Q2 2026
- $25.3M
- Assets vs Q2 2025
- +5.7%
- Members, Q2 2026
- 2,543
- Net worth ratio, Q2 2026
- 14.76%
- Latest call report
- Q2 2026, NCUA 5300 · Eight Federal Credit Union call report
- Asset rank in state
- 134th of 191 in Ohio
- Routing number
- 241281976
- Branches
- 1
It has 98 more members than on June 30, 2025 (+4.0%). Its net worth ratio was up 0.77 percentage points from 13.99% on June 30, 2025. Used vehicle loans are its largest loan category, $5.0M of $8.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.02% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.76% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about Eight Federal Credit Union
How big is Eight Federal Credit Union?
At Q2 2026 it reported total assets of $25.3M and 2,543 members.
Where is Eight Federal Credit Union headquartered?
It is headquartered in Rossford, OH, United States.
When was Eight Federal Credit Union founded?
It was established in 1970, per NCUA records.
Is Eight Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20222): 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 Eight Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Eight Federal Credit Union well capitalized?
Its net worth ratio was 14.76% 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 Eight Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.02% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Eight Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 37.91% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rossford, OH 43460
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 20222
- RSSD ID
- 349884
- Members
- 2,543
- Potential members
- 5,000
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 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.76% | 14.31% | 52nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.71% | 0.72% | 86th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 11.62% | 4.74% | 87th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.46% | 3.93% | 31st below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 54.85% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.15% | 0.78% | 29th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.02% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.61% | 4.70% | 45th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 37.91% | 58.92% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$25.3M total assets against $23.9M; $21.4M total shares and deposits against $20.4M; $8.1M total loans against $8.4M.
$3.7M net worth against $3.3M.
14.76% net worth ratio against 13.99%.
37.91% loan-to-share ratio against 40.98%.
0.02% delinquency ratio.
1.71% return on assets against 1.73%; 11.62% return on equity against 12.39%.
3.46% net interest margin against 3.63%.
2,543 members against 2,445.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.76% | 1.71% | 0.02% | 37.91% |
| March 31, 2026 | 14.40% | 1.43% | 0.02% | 39.42% |
| December 31, 2025 | 14.47% | 1.10% | — | 39.75% |
| September 30, 2025 | 14.87% | 2.02% | 0.01% | 41.95% |
| June 30, 2025 | 13.99% | 1.73% | — | 40.98% |
| March 31, 2025 | 14.81% | 1.69% | — | 43.36% |
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.