TellerScore

540 I.B.E.W. Credit Union is a non-federally insured state credit union headquartered in Massillon, Ohio. At the end of Q2 2026 it reported $1.5M in total assets and $1.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, 540 I.B.E.W. Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 159th. Its strongest component is funding & liquidity (90/100; 70% loans-to-deposits, 0% uninsured), and its lowest is loan quality (25/100; 2.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.57%
Loan quality25/100
Loans 60+ days delinquent ÷ total loans: 2.24%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity90/100
Loans ÷ shares: 70.1% · 0.0% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.99%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (50 → 58), mostly because the earnings component improved by 19 points.

TellerScore
455565Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202458
Q4 202446
Q1 202546
Q2 202550
Q3 202554
Q4 202545
Q1 202665
Q2 202658
Net worth ratio
7.00%9.91%12.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.74%
Q3 202412.82%
Q4 202411.95%
Q1 202511.62%
Q2 202511.80%
Q3 202511.53%
Q4 202511.58%
Q1 202612.18%
Q2 202611.57%
Delinquent loans (60+ days)
1.72%3.24%4.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.73%
Q3 20242.18%
Q4 20244.76%
Q1 20254.31%
Q2 20252.67%
Q3 20252.25%
Q4 20253.77%
Q1 20261.72%
Q2 20262.24%
Return on assets
0.34%0.66%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.64%
Q4 20240.49%
Q1 20250.34%
Q2 20250.40%
Q3 20250.46%
Q4 20250.36%
Q1 20260.98%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$1.5M11.57%2.24%0.87%70.1%
Q1 202665$1.4M12.18%1.72%0.98%75.8%
Q4 202545$1.4M11.58%3.77%0.36%74.3%
Q3 202554$1.4M11.53%2.25%0.46%72.7%
Q2 202550$1.4M11.80%2.67%0.40%78.3%
Q1 202546$1.4M11.62%4.31%0.34%69.8%
Q4 202446$1.4M11.95%4.76%0.49%75.1%
Q3 202458$1.3M12.82%2.18%0.64%85.9%
Q2 202464$1.3M12.74%1.73%0.85%83.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.57%
28th
Problem loans2.24%
18th
Net charge-offs-0.04%
91st
Return on assets0.87%
61st
Loans to deposits70.1%
33rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio12.0%
10th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Shaker Heights Federal Credit UnionCredit union Shaker Heights, OH54 out of 100, Below average$1.2M24.3%15.96%vs
M G Employees Federal Credit UnionCredit union Marysville, OH89 out of 100, Very strong$2.1M37.0%0.00%vs
Mahoning Valley Federal Credit UnionCredit union Youngstown, OH50 out of 100, Below average$376K10.2%1.80%vs
Cleveland Church of Christ Federal Credit UnionCredit union Cleveland, OH68 out of 100, Moderate$365K11.9%0.36%vs
Wright-Dunbar Area Credit UnionCredit union Dayton, OH54 out of 100, Below average$360K18.5%24.93%vs

Deposit insurance

Is my money safe at 540 I.B.E.W. Credit Union?

540 I.B.E.W. Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.57%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

540 I.B.E.W. Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
540 I.B.E.W. Credit Union
Type
Non-federally insured state credit union
NCUA charter #
96652
RSSD ID
683391
Primary regulator
State + NCUA
Headquarters
2333 Nave Rd SE, Massillon, OH 44646
Employees
1

Quick answers

540 I.B.E.W. Credit Union: common questions

Is 540 I.B.E.W. Credit Union NCUA insured?

540 I.B.E.W. Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is 540 I.B.E.W. Credit Union's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 540 I.B.E.W. Credit Union have?

1 office as of the latest NCUA data.

Nearby

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