Credit Union Safety Analysis
Is Pillar Credit Union, Inc Safe? Marion, Ohio
Based on its Q2 2026 NCUA 5300 call report, Pillar Credit Union, Inc has a net worth ratio of 11.64%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.60%, 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, Pillar Credit Union, Inc's net worth ratio is 11.64%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.64%
- Delinquency ratio (60+ days) (Q2 2026): 0.60%
- Return on assets (Q2 2026): 1.49%
- Loan-to-share ratio (Q2 2026): 67.94%
Pillar Credit Union, Inc (NCUA charter 61324, established 1960) reported $134.8M in assets and 10,833 members for Q2 2026 from Marion, Ohio. It ranks 65 of 191 credit unions in Ohio by total assets. Total assets grew 12.4% from $119.9M on June 30, 2025. It has 871 more members than on June 30, 2025 (+8.7%). Its net worth ratio was up 1.03 percentage points from 10.61% on June 30, 2025. Used vehicle loans are its largest loan category, $45.1M of $81.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% 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: 10.64% for Q1 2026; 10.61% 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: 0.89% for Q1 2026; 0.73% 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: 0.90% for Q1 2026; 1.40% 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: 65.48% for Q1 2026; 68.65% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $45.1M
- New vehicle loans: $21.2M
- Commercial loans: $6.7M
- 1- to 4-family residential and other consumer real estate loans: $6.3M
- Other secured non-real estate loans and lines of credit: $1.6M
- Other unsecured loans and lines of credit: $840K
- Unsecured credit card loans: $106K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $134.8M | 11.64% | 0.60% | 1.49% | 67.94% |
| March 31, 2026 | $128.0M | 10.64% | 0.89% | 0.90% | 65.48% |
| December 31, 2025 | $124.4M | 10.72% | 0.95% | 0.88% | 66.60% |
| September 30, 2025 | $120.8M | 10.81% | 1.04% | 1.10% | 68.33% |
| June 30, 2025 | $119.9M | 10.61% | 0.73% | 1.40% | 68.65% |
| March 31, 2025 | $118.6M | 10.38% | 0.69% | 0.67% | 68.19% |
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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.
Pillar Credit Union, Inc profile
Regulator records: NCUA credit union profile (charter 61324) · FFIEC NIC profile (RSSD 42390)
Frequently asked questions
Is Pillar Credit Union, Inc well capitalized?
On its Q2 2026 NCUA 5300 call report, Pillar Credit Union, Inc's net worth ratio is 11.64%, above the 7% NCUA threshold for well capitalized.
Is Pillar Credit Union, Inc FDIC insured?
No. The FDIC insures banks, not credit unions. Pillar Credit Union, Inc is a federally insured credit union (NCUA charter 61324): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Pillar Credit Union, Inc's key safety ratios?
For Q2 2026, Pillar Credit Union, Inc reports net worth 11.64%, delinquency 0.60%, ROA 1.49%, loan-to-share 67.94%.
What happens to my money if Pillar Credit Union, Inc fails?
For Q2 2026, Pillar Credit Union, Inc held $120.4M in shares and deposits for 10,833 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.