TellerScore

Dynamic Federal Credit Union (NCUA charter #6747) is based in Celina, Ohio. Its Q2 2026 call report shows $83.4M in total assets and $66.8M in member shares and deposits.

Based on its Q2 2026 filing, Dynamic Federal Credit Union scores 95/100, which we describe as very strong. That is higher than 96% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 2nd. Its strongest component is capital cushion (100/100; 19.80%), and its lowest is funding & liquidity (88/100; 72% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.80%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings100/100
Return on assets (annualized): 2.28%
Funding & liquidity88/100
Loans ÷ shares: 71.9% · 4.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.09%

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 (94 → 95).

TellerScore
869297Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202487
Q4 202491
Q1 202594
Q2 202594
Q3 202595
Q4 202596
Q1 202697
Q2 202695
Net worth ratio
7.00%13.89%20.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.01%
Q3 202420.22%
Q4 202420.56%
Q1 202519.91%
Q2 202520.77%
Q3 202520.79%
Q4 202519.70%
Q1 202619.73%
Q2 202619.80%
Delinquent loans (60+ days)
0.24%0.67%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.01%
Q3 20241.10%
Q4 20240.60%
Q1 20250.25%
Q2 20250.44%
Q3 20250.33%
Q4 20250.32%
Q1 20260.24%
Q2 20260.37%
Return on assets
1.70%2.01%2.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.70%
Q3 20241.87%
Q4 20241.85%
Q1 20251.76%
Q2 20252.03%
Q3 20252.03%
Q4 20251.98%
Q1 20262.33%
Q2 20262.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$83.4M19.80%0.37%2.28%71.9%
Q1 202697$81.3M19.73%0.24%2.33%67.8%
Q4 202596$79.0M19.70%0.32%1.98%67.1%
Q3 202595$72.7M20.79%0.33%2.03%76.0%
Q2 202594$70.9M20.77%0.44%2.03%76.6%
Q1 202594$71.9M19.91%0.25%1.76%73.4%
Q4 202491$68.1M20.56%0.60%1.85%77.4%
Q3 202487$67.8M20.22%1.10%1.87%77.2%
Q2 202486$66.5M20.01%1.01%1.70%79.1%

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 ratio19.80%
76th
Problem loans0.37%
65th
Net charge-offs0.14%
53rd
Return on assets2.28%
96th
Loans to deposits71.9%
30th
Uninsured deposits4.0%
28th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Your Legacy Federal Credit UnionCredit union Tiffin, OH64 out of 100, Moderate$79.1M10.2%1.06%vs
Eaton Family Credit UnionCredit union Euclid, OH39 out of 100, Low$77.6M10.6%3.04%vs
Miami University Community Federal Credit UnionCredit union Oxford, OH59 out of 100, Moderate$77.4M12.7%2.41%vs
State Highway Patrol Federal Credit UnionCredit union Columbus, OH88 out of 100, Very strong$92.2M13.5%0.06%vs
L C E Federal Credit UnionCredit union Painesville, OH73 out of 100, Strong$74.3M10.3%0.54%vs
Champion Credit UnionCredit union Toledo, OH73 out of 100, Strong$74.1M11.6%0.89%vs

Deposit insurance

Is my money safe at Dynamic Federal Credit Union?

Yes. Dynamic Federal Credit Union is a federally insured credit union (NCUA charter #6747). 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 4.0% of shares and deposits ($2.7M) 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 19.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Dynamic Federal Credit Union
Type
Federal credit union
NCUA charter #
6747
RSSD ID
939481
Primary regulator
NCUA
Established
1950
Headquarters
900 E Wayne St, Celina, OH 45822
Employees
17

Quick answers

Dynamic Federal Credit Union: common questions

Is Dynamic Federal Credit Union NCUA insured?

Yes. Dynamic Federal Credit Union is a federally insured credit union (NCUA charter #6747). 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 Dynamic Federal Credit Union's TellerScore?

95 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.