Y.H.A. South Unit Federal Credit Union Youngstown, Ohio
Y.H.A. South Unit Federal Credit Union is a federal credit union headquartered in Youngstown, OH, established in 1961 (NCUA charter 14469), and it is regulated and insured by the NCUA. At Q2 2026 it reported 244 members and total assets of $376K (down 32.4% from Q2 2025), the 187th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 10.17% at Q2 2026, in the well capitalized band.
Also written as YHA South Unit 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
- 14469
- Headquarters
- Youngstown, OH
- Established
- 1961
- Total assets, Q2 2026
- $376K
- Assets vs Q2 2025
- -32.4%
- Members, Q2 2026
- 244
- Net worth ratio, Q2 2026
- 10.17%
- Latest call report
- Q2 2026, NCUA 5300 · Y.H.A. South Unit Federal Credit Union call report
- Asset rank in state
- 187th of 191 in Ohio
- Routing number
- 241283479
- Branches
- 1
It has 11 more members than on June 30, 2025 (+4.7%). Its net worth ratio was down 1.46 percentage points from 11.63% on June 30, 2025. Used vehicle loans are its largest loan category, $80K of $138K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.80% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.17% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about Y.H.A. South Unit Federal Credit Union
How big is Y.H.A. South Unit Federal Credit Union?
At Q2 2026 it reported total assets of $376K and 244 members.
Where is Y.H.A. South Unit Federal Credit Union headquartered?
It is headquartered in Youngstown, OH, United States.
When was Y.H.A. South Unit Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Y.H.A. South Unit Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14469): 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 Y.H.A. South Unit Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Y.H.A. South Unit Federal Credit Union well capitalized?
Its net worth ratio was 10.17% 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 Y.H.A. South Unit Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Y.H.A. South Unit Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 40.87% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Youngstown, OH 44505
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14469
- RSSD ID
- 547886
- Members
- 244
- Potential members
- 300
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 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.17% | 14.31% | 18th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -6.89% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -67.77% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.27% | 3.93% | 64th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 253.82% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.12% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.80% | 0.86% | 28th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.39% | 4.70% | 34th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 40.87% | 58.92% | 23rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$376K total assets against $556K; $337K total shares and deposits against $490K; $138K total loans against $210K.
$38K net worth against $65K.
10.17% net worth ratio against 11.63%.
40.87% loan-to-share ratio against 42.78%.
1.80% delinquency ratio against 1.37%.
-6.89% return on assets against -9.34%; -67.77% return on equity against -80.26%.
4.27% net interest margin against 4.67%.
244 members against 233.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.17% | -6.89% | 1.80% | 40.87% |
| March 31, 2026 | 11.55% | -6.60% | 2.19% | 40.11% |
| December 31, 2025 | 13.12% | -6.42% | 1.39% | 43.35% |
| September 30, 2025 | 13.54% | -6.95% | 1.55% | 40.73% |
| June 30, 2025 | 11.63% | -9.34% | 1.37% | 42.78% |
| March 31, 2025 | 13.25% | -2.78% | 2.89% | 32.05% |
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.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.