TellerScore

Golden Circle Credit Union is a federally insured state-chartered credit union headquartered in Massillon, Ohio, in business for about 86 years. At the end of Q2 2026 it reported $107.3M in total assets and $91.4M in member shares and deposits, with 3 offices.

Golden Circle Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 122nd. Capital cushion contributes the most (100/100, 15.61%); loan quality contributes the least (25/100, 2.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.61%
Loan quality25/100
Loans 60+ days delinquent ÷ total loans: 2.24%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity100/100
Loans ÷ shares: 48.9% · 2.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.97%

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 20 points (86 → 66), mostly because the loan quality component weakened by 57 points.

TellerScore
667787Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202487
Q4 202484
Q1 202585
Q2 202586
Q3 202583
Q4 202580
Q1 202667
Q2 202666
Net worth ratio
7.00%11.46%15.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.76%
Q3 202415.33%
Q4 202415.41%
Q1 202515.00%
Q2 202515.57%
Q3 202515.90%
Q4 202515.93%
Q1 202613.82%
Q2 202615.61%
Delinquent loans (60+ days)
0.15%1.20%2.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.43%
Q4 20240.15%
Q1 20250.52%
Q2 20250.55%
Q3 20250.72%
Q4 20250.92%
Q1 20261.03%
Q2 20262.24%
Return on assets
-1.14%0.01%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20240.86%
Q4 20240.19%
Q1 20250.73%
Q2 20250.87%
Q3 20250.74%
Q4 20250.55%
Q1 2026-1.14%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$107.3M15.61%2.24%0.30%48.9%
Q1 202667$106.5M13.82%1.03%-1.14%53.7%
Q4 202580$104.5M15.93%0.92%0.55%58.4%
Q3 202583$105.1M15.90%0.72%0.74%60.6%
Q2 202586$107.0M15.57%0.55%0.87%54.8%
Q1 202585$109.2M15.00%0.52%0.73%51.0%
Q4 202484$105.1M15.41%0.15%0.19%52.9%
Q3 202487$107.5M15.33%0.43%0.86%53.3%
Q2 202486$106.1M15.76%0.82%1.17%55.5%

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 ratio15.61%
88th
Problem loans2.24%
4th
Net charge-offs0.55%
31st
Return on assets0.30%
17th
Loans to deposits48.9%
91st
Uninsured deposits2.0%
90th
Loan-loss reserves0.00%
50th
Texas ratio6.0%
32nd

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Bay Area Credit UnionCredit union Oregon, OH68 out of 100, Moderate$107.9M11.6%1.21%vs
Ohio Healthcare Federal Credit UnionCredit union Dublin, OH61 out of 100, Moderate$108.2M9.7%0.72%vs
Friends and Family Credit Union IncCredit union Massillon, OH59 out of 100, Moderate$111.0M8.1%0.32%vs
Community Star Credit UnionCredit union Elyria, OH67 out of 100, Moderate$102.7M9.7%0.55%vs
Commodore Perry Federal Credit UnionCredit union Oak Harbor, OH51 out of 100, Below average$102.3M10.2%1.82%vs
Riverview Federal Credit UnionCredit union Belpre, OH56 out of 100, Moderate$113.4M9.1%1.54%vs

Deposit insurance

Is my money safe at Golden Circle Credit Union?

Yes. Golden Circle Credit Union is a federally insured credit union (NCUA charter #61239). 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 2.0% of shares and deposits ($1.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Golden Circle Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Golden Circle Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61239
RSSD ID
315599
Primary regulator
State + NCUA
Established
1940
Headquarters
4118 Lincoln Way E, Massillon, OH 44646
Employees
26

Quick answers

Golden Circle Credit Union: common questions

Is Golden Circle Credit Union NCUA insured?

Yes. Golden Circle Credit Union is a federally insured credit union (NCUA charter #61239). 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 Golden Circle Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Golden Circle Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Massillon

InstitutionScoreAssetsCapitalProblem loansCompare
Brewster Federal Credit UnionCredit union Brewster, OH95 out of 100, Very strong$32.9M18.4%0.56%vs
Firstenergy Family Credit UnionCredit union Akron, OH93 out of 100, Very strong$47.2M16.5%0.53%vs
The Bank of Magnolia CompanyBank Magnolia, OH89 out of 100, Very strong$107.8M13.0%0.12%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs
Summit Federal Credit UnionCredit union Akron, OH86 out of 100, Very strong$59.2M15.6%0.56%vs