TellerScore

Glass City Federal Credit Union is a federal credit union headquartered in Maumee, Ohio, in business for about 79 years. At the end of Q2 2026 it reported $326.1M in total assets and $286.1M in member shares and deposits, with 4 offices.

Glass City Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 62nd. Problem-loan coverage contributes the most (97/100, 1.4%); capital cushion contributes the least (63/100, 11.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.26%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings70/100
Return on assets (annualized): 1.25%
Funding & liquidity79/100
Loans ÷ shares: 81.3% · 4.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.39%

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 8 points (70 → 78), mostly because the earnings component improved by 12 points.

TellerScore
707478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202472
Q1 202572
Q2 202570
Q3 202572
Q4 202575
Q1 202677
Q2 202678
Net worth ratio
7.00%9.13%11.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.29%
Q3 202410.60%
Q4 202410.79%
Q1 202510.25%
Q2 202510.55%
Q3 202510.91%
Q4 202510.83%
Q1 202610.99%
Q2 202611.26%
Delinquent loans (60+ days)
0.10%0.31%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.10%
Q4 20240.11%
Q1 20250.13%
Q2 20250.52%
Q3 20250.49%
Q4 20250.12%
Q1 20260.13%
Q2 20260.22%
Return on assets
0.69%0.97%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.77%
Q4 20240.75%
Q1 20250.78%
Q2 20250.94%
Q3 20251.02%
Q4 20251.02%
Q1 20261.14%
Q2 20261.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$326.1M11.26%0.22%1.25%81.3%
Q1 202677$324.1M10.99%0.13%1.14%78.5%
Q4 202575$320.2M10.83%0.12%1.02%81.8%
Q3 202572$311.2M10.91%0.49%1.02%83.2%
Q2 202570$312.9M10.55%0.52%0.94%82.9%
Q1 202572$313.7M10.25%0.13%0.78%82.0%
Q4 202472$292.5M10.79%0.11%0.75%88.6%
Q3 202472$294.1M10.60%0.10%0.77%89.3%
Q2 202470$296.7M10.29%0.11%0.69%90.3%

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 ratio11.26%
48th
Problem loans0.22%
88th
Net charge-offs0.23%
67th
Return on assets1.25%
80th
Loans to deposits81.3%
37th
Uninsured deposits4.1%
70th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Vacationland Federal Credit UnionCredit union Sandusky, OH72 out of 100, Strong$326.9M12.8%1.16%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs
Oc Federal Credit UnionCredit union Garfield Hts, OH81 out of 100, Strong$314.9M13.5%0.17%vs
Myusa Credit UnionCredit union Middletown, OH64 out of 100, Moderate$351.2M14.2%2.34%vs
Pse Credit Union, Inc.Credit union Parma, OH72 out of 100, Strong$352.5M11.1%0.61%vs
Firefighters Community Credit UnionCredit union Cleveland, OH65 out of 100, Moderate$358.6M9.8%0.61%vs

Deposit insurance

Is my money safe at Glass City Federal Credit Union?

Yes. Glass City Federal Credit Union is a federally insured credit union (NCUA charter #5495). 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 4.1% of shares and deposits ($11.7M) 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 11.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Glass City Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Glass City Federal Credit Union reported 48 home-loan applications under HMDA (LEI 549300BYZ5JSI6TQMS54): 25 originated ($4,465,000 total), 10 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.0%, 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
Glass City Federal Credit Union
Type
Federal credit union
NCUA charter #
5495
RSSD ID
610874
Primary regulator
NCUA
Established
1947
Headquarters
1340 Arrowhead Dr, Maumee, OH 43537
Employees
64

Quick answers

Glass City Federal Credit Union: common questions

Is Glass City Federal Credit Union NCUA insured?

Yes. Glass City Federal Credit Union is a federally insured credit union (NCUA charter #5495). 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 Glass City Federal Credit Union's TellerScore?

78 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 Glass City Federal Credit Union have?

4 offices as of the latest NCUA data.