TellerScore

Fremont Federal Credit Union (NCUA charter #5370) is based in Fremont, Ohio. Its Q2 2026 call report shows $391.4M in total assets and $334.8M in member shares and deposits and 8 offices.

Fremont Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 79th. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (59/100, 0.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.67%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity81/100
Loans ÷ shares: 79.0% · 7.4% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.63%

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 3 points (77 → 74), mostly because the loan quality component weakened by 10 points.

TellerScore
747677Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202474
Q4 202474
Q1 202576
Q2 202577
Q3 202577
Q4 202574
Q1 202676
Q2 202674
Net worth ratio
7.00%10.03%13.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.86%
Q3 202412.82%
Q4 202412.92%
Q1 202512.81%
Q2 202512.91%
Q3 202513.05%
Q4 202512.60%
Q1 202612.56%
Q2 202612.67%
Delinquent loans (60+ days)
0.49%0.68%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.86%
Q4 20240.80%
Q1 20250.62%
Q2 20250.57%
Q3 20250.69%
Q4 20250.74%
Q1 20260.49%
Q2 20260.86%
Return on assets
0.80%0.90%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.92%
Q4 20240.82%
Q1 20250.86%
Q2 20250.91%
Q3 20251.00%
Q4 20250.92%
Q1 20260.80%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$391.4M12.67%0.86%0.98%79.0%
Q1 202676$385.6M12.56%0.49%0.80%76.3%
Q4 202574$378.3M12.60%0.74%0.92%78.9%
Q3 202577$361.4M13.05%0.69%1.00%79.7%
Q2 202577$356.9M12.91%0.57%0.91%78.2%
Q1 202576$352.8M12.81%0.62%0.86%77.4%
Q4 202474$344.1M12.92%0.80%0.82%79.5%
Q3 202474$345.6M12.82%0.86%0.92%77.8%
Q2 202475$338.1M12.86%0.77%0.93%78.4%

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 ratio12.67%
66th
Problem loans0.86%
38th
Net charge-offs0.38%
48th
Return on assets0.98%
64th
Loans to deposits79.0%
43rd
Uninsured deposits7.4%
35th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
44th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Cardinal Credit Union, Inc.Credit union Mentor, OH57 out of 100, Moderate$365.7M10.0%1.11%vs
Ih Credit Union, Inc.Credit union Springfield, OH74 out of 100, Strong$362.7M16.0%1.70%vs
Firefighters Community Credit UnionCredit union Cleveland, OH65 out of 100, Moderate$358.6M9.8%0.61%vs
Universal 1 Credit UnionCredit union Dayton, OH68 out of 100, Moderate$424.7M12.4%1.53%vs
Pse Credit Union, Inc.Credit union Parma, OH72 out of 100, Strong$352.5M11.1%0.61%vs
Myusa Credit UnionCredit union Middletown, OH64 out of 100, Moderate$351.2M14.2%2.34%vs

Deposit insurance

Is my money safe at Fremont Federal Credit Union?

Yes. Fremont Federal Credit Union is a federally insured credit union (NCUA charter #5370). 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 7.4% of shares and deposits ($24.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Fremont Federal Credit Union lists 8 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fremont Federal Credit Union reported 521 home-loan applications under HMDA (LEI 549300MXBLBJSY4S5R72): 468 originated ($49,820,000 total), 20 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.1%, 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
Fremont Federal Credit Union
Type
Federal credit union
NCUA charter #
5370
RSSD ID
593070
Primary regulator
NCUA
Established
1946
Headquarters
315 Croghan St, Fremont, OH 43420
Employees
93

Quick answers

Fremont Federal Credit Union: common questions

Is Fremont Federal Credit Union NCUA insured?

Yes. Fremont Federal Credit Union is a federally insured credit union (NCUA charter #5370). 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 Fremont Federal 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 Fremont Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fremont

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
Materion Federal Credit UnionCredit union Elmore, OH87 out of 100, Very strong$38.9M14.7%0.00%vs
Local 50 Plumbers & Steamftrs Federal Credit UnionCredit union Northwood, OH80 out of 100, Strong$11.6M15.4%1.54%vs
Glass City Federal Credit UnionCredit union Maumee, OH78 out of 100, Strong$326.1M11.3%0.22%vs
Sutton BankBank Attica, OH77 out of 100, Strong$1.7B10.0%0.02%vs
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs