Southeastern Ohio Credit Union, Inc. Cambridge, Ohio
Southeastern Ohio Credit Union, Inc. is a state-chartered credit union headquartered in Cambridge, OH (NCUA charter 96674), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,560 members and total assets of $65.4M (up 6.0% from Q2 2025), the 97th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 12.08% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 96674
- Headquarters
- Cambridge, OH
- Established
- Not reported
- Total assets, Q2 2026
- $65.4M
- Assets vs Q2 2025
- +6.0%
- Members, Q2 2026
- 6,560
- Net worth ratio, Q2 2026
- 12.08%
- Latest call report
- Q2 2026, NCUA 5300 · Southeastern Ohio Credit Union, Inc. call report
- Asset rank in state
- 97th of 191 in Ohio
- Routing number
- 244174352
- Branches
- 5
It has 136 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.45 percentage points from 11.63% on June 30, 2025. Used vehicle loans are its largest loan category, $20.6M of $35.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.03% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.08% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about Southeastern Ohio Credit Union, Inc.
How big is Southeastern Ohio Credit Union, Inc.?
At Q2 2026 it reported total assets of $65.4M and 6,560 members.
Where is Southeastern Ohio Credit Union, Inc. headquartered?
It is headquartered in Cambridge, OH, United States.
Is Southeastern Ohio Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 96674): 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 Southeastern Ohio Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Southeastern Ohio Credit Union, Inc. well capitalized?
Its net worth ratio was 12.08% 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 Southeastern Ohio Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 1.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Southeastern Ohio Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 61.86% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cambridge, OH 43725
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 96674
- RSSD ID
- 579690
- Members
- 6,560
- Potential members
- 15,000
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 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.08% | 14.31% | 32nd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.78% | 0.72% | 87th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 14.70% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.14% | 3.93% | 59th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 63.40% | 79.83% | 82nd top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.50% | 0.78% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.03% | 0.86% | 46th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.64% | 4.70% | 81st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 61.86% | 58.92% | 54th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$65.4M total assets against $61.7M; $56.9M total shares and deposits against $54.1M; $35.2M total loans against $36.3M.
$7.9M net worth against $7.2M.
12.08% net worth ratio against 11.63%.
61.86% loan-to-share ratio against 67.17%.
1.03% delinquency ratio against 1.23%.
1.78% return on assets against 0.67%; 14.70% return on equity against 5.75%.
4.14% net interest margin against 3.90%.
6,560 members against 6,424.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.08% | 1.78% | 1.03% | 61.86% |
| March 31, 2026 | 11.72% | 1.20% | 1.01% | 62.20% |
| December 31, 2025 | 11.64% | 0.78% | 1.15% | 64.15% |
| September 30, 2025 | 11.55% | 1.00% | 1.10% | 64.88% |
| June 30, 2025 | 11.63% | 0.67% | 1.23% | 67.17% |
| March 31, 2025 | 11.68% | 0.58% | 1.03% | 67.37% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.