Topmark Federal Credit Union Lima, Ohio
Topmark Federal Credit Union is a federal credit union headquartered in Lima, OH, established in 1963 (NCUA charter 15438), and it is regulated and insured by the NCUA. At Q2 2026 it reported 8,706 members and total assets of $62.6M (up 5.5% from Q2 2025), the 100th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 10.16% at Q2 2026, in the well capitalized band.
Also written as Topmark FCU
BankRegReports is independent of Topmark Federal Credit Union and never asks for online banking logins or passwords.
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
- 15438
- Headquarters
- Lima, OH
- Established
- 1963
- Total assets, Q2 2026
- $62.6M
- Assets vs Q2 2025
- +5.5%
- Members, Q2 2026
- 8,706
- Net worth ratio, Q2 2026
- 10.16%
- Latest call report
- Q2 2026, NCUA 5300 · Topmark Federal Credit Union call report
- Asset rank in state
- 100th of 191 in Ohio
- Routing number
- 241279564
- Branches
- 4
It has 476 fewer members than on June 30, 2025 (-5.2%). Its net worth ratio was down 0.17 percentage points from 10.33% on June 30, 2025. Used vehicle loans are its largest loan category, $18.5M of $39.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.60% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.16% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Ohio
Credit unions merged into Topmark Federal Credit Union
Beacon Mutual Federal Credit Union (2018) · Lima Ohio Postal Employees Federal Credit Union (2013)
Frequently asked about Topmark Federal Credit Union
How big is Topmark Federal Credit Union?
At Q2 2026 it reported total assets of $62.6M and 8,706 members.
Where is Topmark Federal Credit Union headquartered?
It is headquartered in Lima, OH, United States.
When was Topmark Federal Credit Union founded?
It was established in 1963, per NCUA records.
Is Topmark Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 15438): 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 Topmark Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Topmark Federal Credit Union well capitalized?
Its net worth ratio was 10.16% 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 Topmark Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.60% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Topmark Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lima, OH 45801
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1963
- NCUA Charter #
- 15438
- RSSD ID
- 278087
- Members
- 8,706
- Potential members
- 100,000
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 1 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% | 10.16% | 14.31% | 18th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.44% | 0.72% | 37th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.31% | 4.74% | 47th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.13% | 3.93% | 89th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 84.17% | 79.83% | 41st below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.79% | 0.78% | 49th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.60% | 0.86% | 33rd below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.92% | 4.70% | 87th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 70.69% | 58.92% | 67th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$62.6M total assets against $59.4M; $56.2M total shares and deposits against $53.2M; $39.7M total loans against $39.5M.
$6.4M net worth against $6.1M.
10.16% net worth ratio against 10.33%.
70.69% loan-to-share ratio against 74.24%.
1.60% delinquency ratio against 2.06%.
0.44% return on assets against 0.94%; 4.31% return on equity against 9.12%.
5.13% net interest margin against 5.33%.
8,706 members against 9,182.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.16% | 0.44% | 1.60% | 70.69% |
| March 31, 2026 | 10.14% | 0.35% | 1.64% | 70.24% |
| December 31, 2025 | 10.35% | 0.41% | 2.05% | 73.12% |
| September 30, 2025 | 10.51% | 0.44% | 2.21% | 75.96% |
| June 30, 2025 | 10.33% | 0.94% | 2.06% | 74.24% |
| March 31, 2025 | 9.98% | 0.44% | 2.22% | 72.80% |
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.