TellerScore

Doy Federal Credit Union (NCUA charter #20661) is based in Youngstown, Ohio. Its Q2 2026 call report shows $70.8M in total assets and $60.8M in member shares and deposits and 1 office.

Doy Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 30th. Funding & liquidity contributes the most (100/100, 45% loans-to-deposits, 5% uninsured); earnings contributes the least (50/100, 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Net worth ratio: 14.12%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity100/100
Loans ÷ shares: 44.9% · 4.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.68%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 85).

TellerScore
848688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202488
Q4 202488
Q1 202586
Q2 202585
Q3 202585
Q4 202584
Q1 202687
Q2 202685
Net worth ratio
7.00%11.05%15.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.84%
Q3 202415.10%
Q4 202415.02%
Q1 202514.55%
Q2 202514.32%
Q3 202514.43%
Q4 202514.05%
Q1 202614.08%
Q2 202614.12%
Delinquent loans (60+ days)
0.03%0.14%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.07%
Q4 20240.05%
Q1 20250.05%
Q2 20250.04%
Q3 20250.05%
Q4 20250.03%
Q1 20260.03%
Q2 20260.25%
Return on assets
0.45%0.60%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.59%
Q4 20240.58%
Q1 20250.49%
Q2 20250.49%
Q3 20250.45%
Q4 20250.45%
Q1 20260.75%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$70.8M14.12%0.25%0.75%44.9%
Q1 202687$70.1M14.08%0.03%0.75%43.6%
Q4 202584$69.3M14.05%0.03%0.45%42.5%
Q3 202585$66.8M14.43%0.05%0.45%45.0%
Q2 202585$66.9M14.32%0.04%0.49%44.6%
Q1 202586$65.3M14.55%0.05%0.49%43.8%
Q4 202488$62.7M15.02%0.05%0.58%45.7%
Q3 202488$61.8M15.10%0.07%0.59%47.5%
Q2 202486$62.2M14.84%0.18%0.56%49.0%

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 ratio14.12%
49th
Problem loans0.25%
71st
Net charge-offs0.00%
77th
Return on assets0.75%
56th
Loans to deposits44.9%
71st
Uninsured deposits4.5%
24th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Millstream Area Credit UnionCredit union Findlay, OH82 out of 100, Strong$70.8M12.6%0.66%vs
Kh Credit Union, Inc.Credit union Dayton, OH79 out of 100, Strong$71.1M12.9%0.31%vs
Jeep Country Federal Credit UnionCredit union Holland, OH53 out of 100, Below average$72.1M15.1%3.66%vs
Educational Community Alliance Credit UnionCredit union Toledo, OH77 out of 100, Strong$68.9M11.3%0.14%vs
Lan-Fair Federal Credit UnionCredit union Lancaster, OH69 out of 100, Moderate$72.9M10.0%0.37%vs
Integrity Federal Credit UnionCredit union Barberton, OH74 out of 100, Strong$73.4M9.8%0.42%vs

Deposit insurance

Is my money safe at Doy Federal Credit Union?

Yes. Doy Federal Credit Union is a federally insured credit union (NCUA charter #20661). 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 4.5% of shares and deposits ($2.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.12%, 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

Doy Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Doy Federal Credit Union
Type
Federal credit union
NCUA charter #
20661
RSSD ID
732084
Primary regulator
NCUA
Established
1971
Headquarters
1500 Gypsy Ln, Youngstown, OH 44505
Employees
7

Quick answers

Doy Federal Credit Union: common questions

Is Doy Federal Credit Union NCUA insured?

Yes. Doy Federal Credit Union is a federally insured credit union (NCUA charter #20661). 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 Doy Federal Credit Union's TellerScore?

85 out of 100 (Very 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 Doy Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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