TellerScore

Columbiana County School Empl Credit Union is a federally insured state-chartered credit union headquartered in Lisbon, Ohio, in business for about 71 years. At the end of Q2 2026 it reported $6.0M in total assets and $4.4M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Columbiana County School Empl Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 82nd. Its strongest component is capital cushion (100/100; 25.39%), and its lowest is earnings (0/100; -6.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.39%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings0/100
Return on assets (annualized): -6.39%
Funding & liquidity100/100
Loans ÷ shares: 44.8% · 1.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.82%

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 fell 7 points (81 → 74), mostly because the earnings component weakened by 53 points.

TellerScore
748290Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202483
Q4 202481
Q1 202584
Q2 202581
Q3 202577
Q4 202578
Q1 202674
Q2 202674
Net worth ratio
7.00%17.20%27.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.91%
Q3 202426.28%
Q4 202426.32%
Q1 202526.28%
Q2 202526.46%
Q3 202526.66%
Q4 202527.40%
Q1 202627.10%
Q2 202625.39%
Delinquent loans (60+ days)
0.21%0.77%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20241.08%
Q4 20240.75%
Q1 20250.64%
Q2 20251.08%
Q3 20251.09%
Q4 20251.32%
Q1 20260.72%
Q2 20260.65%
Return on assets
-6.39%-2.70%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20240.99%
Q4 20240.39%
Q1 20250.70%
Q2 20250.81%
Q3 20250.26%
Q4 20250.64%
Q1 2026-2.70%
Q2 2026-6.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$6.0M25.39%0.65%-6.39%44.8%
Q1 202674$6.2M27.10%0.72%-2.70%45.6%
Q4 202578$6.3M27.40%1.32%0.64%48.9%
Q3 202577$6.4M26.66%1.09%0.26%49.7%
Q2 202581$6.5M26.46%1.08%0.81%52.1%
Q1 202584$6.5M26.28%0.64%0.70%51.7%
Q4 202481$6.4M26.32%0.75%0.39%53.1%
Q3 202483$6.5M26.28%1.08%0.99%52.2%
Q2 202490$6.8M24.91%0.21%0.95%50.5%

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 ratio25.39%
89th
Problem loans0.65%
52nd
Net charge-offs1.21%
11th
Return on assets-6.39%
1st
Loans to deposits44.8%
71st
Uninsured deposits1.7%
47th
Loan-loss reserves1.72%
88th
Texas ratio0.8%
69th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
St. Paschal Baylons Federal Credit UnionCredit union Highland Height, OH79 out of 100, Strong$5.9M12.7%0.00%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Nickel Steel Federal Credit UnionCredit union Lima, OH76 out of 100, Strong$5.2M33.1%0.42%vs
W T Community Federal Credit UnionCredit union Cincinnati, OH66 out of 100, Moderate$4.6M9.8%0.09%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs
Nueva Esperanza Community Credit UnionCredit union Toledo, OH68 out of 100, Moderate$4.5M47.8%2.79%vs

Deposit insurance

Is my money safe at Columbiana County School Empl Credit Union?

Yes. Columbiana County School Empl Credit Union is a federally insured credit union (NCUA charter #63676). 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 1.7% of shares and deposits ($76K) 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 25.39%, well 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

Columbiana County School Empl Credit Union lists 1 office in 1 city. Most locations:

  • Lisbon, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Columbiana County School Empl Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63676
RSSD ID
885195
Primary regulator
State + NCUA
Established
1955
Headquarters
330B N Market St, PO Box 444, Lisbon, OH 44432
Employees
2

Quick answers

Columbiana County School Empl Credit Union: common questions

Is Columbiana County School Empl Credit Union NCUA insured?

Yes. Columbiana County School Empl Credit Union is a federally insured credit union (NCUA charter #63676). 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 Columbiana County School Empl Credit Union's TellerScore?

74 out of 100 (Strong), 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 Columbiana County School Empl Credit Union have?

1 office as of the latest NCUA data.

Nearby

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