Credit Union Safety Analysis
Is Impact Credit Union, Inc Safe? Clyde, Ohio
Based on its Q2 2026 NCUA 5300 call report, Impact Credit Union, Inc has a net worth ratio of 8.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.43%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Impact Credit Union, Inc and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Impact Credit Union, Inc's net worth ratio is 8.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.86%
- Delinquency ratio (60+ days) (Q2 2026): 0.43%
- Return on assets (Q2 2026): 0.24%
- Loan-to-share ratio (Q2 2026): 67.46%
Impact Credit Union, Inc (NCUA charter 68150, established 1937) reported $205.7M in assets and 14,262 members for Q2 2026 from Clyde, Ohio. It ranks 48 of 191 credit unions in Ohio by total assets. Total assets grew 5.7% from $194.6M on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was down 0.09 percentage points from 8.95% on June 30, 2025. Used vehicle loans are its largest loan category, $37.0M of $125.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 8.71% for Q1 2026; 8.95% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.33% for Q1 2026; 0.11% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.33% for Q1 2026; 0.49% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 65.83% for Q1 2026; 70.61% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $37.0M
- 1- to 4-family residential and other consumer real estate loans: $34.7M
- Commercial loans: $23.5M
- Other secured non-real estate loans and lines of credit: $14.4M
- New vehicle loans: $8.8M
- Unsecured credit card loans: $5.3M
- Other unsecured loans and lines of credit: $1.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $205.7M | 8.86% | 0.43% | 0.24% | 67.46% |
| March 31, 2026 | $207.6M | 8.71% | 0.33% | 0.33% | 65.83% |
| December 31, 2025 | $200.7M | 8.92% | 0.28% | 0.40% | 67.04% |
| September 30, 2025 | $200.5M | 8.84% | 0.87% | 0.59% | 67.81% |
| June 30, 2025 | $194.6M | 8.95% | 0.11% | 0.49% | 70.61% |
| March 31, 2025 | $194.2M | 8.85% | 0.15% | 0.31% | 69.35% |
Add this badge to your website
Free to use. It shows Impact Credit Union, Inc’s latest filed figures and updates each quarter.
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.
Impact Credit Union, Inc profile
Regulator records: NCUA credit union profile (charter 68150) · FFIEC NIC profile (RSSD 240477)
Frequently asked questions
Is Impact Credit Union, Inc well capitalized?
On its Q2 2026 NCUA 5300 call report, Impact Credit Union, Inc's net worth ratio is 8.86%, above the 7% NCUA threshold for well capitalized.
Is Impact Credit Union, Inc FDIC insured?
No. The FDIC insures banks, not credit unions. Impact Credit Union, Inc is a federally insured credit union (NCUA charter 68150): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Impact Credit Union, Inc's key safety ratios?
For Q2 2026, Impact Credit Union, Inc reports net worth 8.86%, delinquency 0.43%, ROA 0.24%, loan-to-share 67.46%.
What happens to my money if Impact Credit Union, Inc fails?
For Q2 2026, Impact Credit Union, Inc held $185.7M in shares and deposits for 14,262 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.