TellerScore

Bmi Federal Credit Union (NCUA charter #1199) is based in Dublin, Ohio. Its Q2 2026 call report shows $732.3M in total assets and $618.1M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Bmi Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 106th. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is earnings (52/100; 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.42%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity74/100
Loans ÷ shares: 85.9% · 10.7% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.03%

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 4 points (64 → 68), mostly because the earnings component improved by 18 points.

TellerScore
626874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202470
Q4 202468
Q1 202562
Q2 202564
Q3 202564
Q4 202565
Q1 202667
Q2 202668
Net worth ratio
7.00%8.71%10.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.66%
Q3 20249.77%
Q4 20249.68%
Q1 20259.71%
Q2 202510.09%
Q3 202510.16%
Q4 202510.14%
Q1 202610.20%
Q2 202610.42%
Delinquent loans (60+ days)
0.25%0.38%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.37%
Q4 20240.40%
Q1 20250.42%
Q2 20250.34%
Q3 20250.46%
Q4 20250.50%
Q1 20260.40%
Q2 20260.46%
Return on assets
0.26%0.93%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.24%
Q4 20241.02%
Q1 20250.26%
Q2 20250.34%
Q3 20250.44%
Q4 20250.55%
Q1 20260.62%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$732.3M10.42%0.46%0.79%85.9%
Q1 202667$730.7M10.20%0.40%0.62%84.8%
Q4 202565$723.8M10.14%0.50%0.55%86.8%
Q3 202564$709.4M10.16%0.46%0.44%89.2%
Q2 202564$703.5M10.09%0.34%0.34%89.6%
Q1 202562$722.9M9.71%0.42%0.26%87.4%
Q4 202468$720.3M9.68%0.40%1.02%87.3%
Q3 202470$710.2M9.77%0.37%1.24%89.6%
Q2 202474$708.9M9.66%0.25%1.61%91.2%

1,341 peers · $100 million – $1 billion

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 ratio10.42%
35th
Problem loans0.46%
69th
Net charge-offs0.18%
73rd
Return on assets0.79%
53rd
Loans to deposits85.9%
26th
Uninsured deposits10.7%
14th
Loan-loss reserves0.00%
50th
Texas ratio4.0%
51st

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Sharefax Credit UnionCredit union Cincinnati, OH59 out of 100, Moderate$720.8M9.8%1.11%vs
Pathways Financial Credit UnionCredit union Columbus, OH67 out of 100, Moderate$771.9M10.8%1.08%vs
Sun Federal Credit UnionCredit union Maumee, OH63 out of 100, Moderate$675.9M10.9%1.02%vs
Dover-Phila Federal Credit UnionCredit union Dover, OH83 out of 100, Strong$812.6M13.3%0.91%vs
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Atomic Credit UnionCredit union Piketon, OH64 out of 100, Moderate$855.4M8.6%0.24%vs

Deposit insurance

Is my money safe at Bmi Federal Credit Union?

Yes. Bmi Federal Credit Union is a federally insured credit union (NCUA charter #1199). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.7% of shares and deposits ($66.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.42%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Bmi Federal Credit Union lists 6 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bmi Federal Credit Union reported 543 home-loan applications under HMDA (LEI 549300LGE7I6F2K89769): 420 originated ($74,400,000 total), 59 denied, and 64 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bmi Federal Credit Union
Type
Federal credit union
NCUA charter #
1199
RSSD ID
833178
Primary regulator
NCUA
Established
1936
Headquarters
6165 Emerald Pkwy, Dublin, OH 43016
Employees
106

Quick answers

Bmi Federal Credit Union: common questions

Is Bmi Federal Credit Union NCUA insured?

Yes. Bmi Federal Credit Union is a federally insured credit union (NCUA charter #1199). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bmi Federal Credit Union's TellerScore?

68 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 Bmi Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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