TellerScore

Impact Credit Union, Inc. is a federally insured state-chartered credit union headquartered in Clyde, Ohio, in business for about 32 years. At the end of Q2 2026 it reported $205.7M in total assets and $185.7M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Impact Credit Union, Inc. scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 138th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is earnings (32/100; 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.86%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity93/100
Loans ÷ shares: 67.5% · 2.7% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.95%

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 (66 → 63), mostly because the loan quality component weakened by 10 points.

TellerScore
596366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202464
Q4 202465
Q1 202565
Q2 202566
Q3 202559
Q4 202566
Q1 202664
Q2 202663
Net worth ratio
7.00%8.09%9.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.14%
Q3 20249.10%
Q4 20249.17%
Q1 20258.85%
Q2 20258.95%
Q3 20258.84%
Q4 20258.92%
Q1 20268.71%
Q2 20268.86%
Delinquent loans (60+ days)
0.11%0.49%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.33%
Q4 20240.34%
Q1 20250.15%
Q2 20250.11%
Q3 20250.87%
Q4 20250.28%
Q1 20260.33%
Q2 20260.43%
Return on assets
0.29%0.37%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.40%
Q4 20240.44%
Q1 20250.31%
Q2 20250.40%
Q3 20250.46%
Q4 20250.44%
Q1 20260.33%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$205.7M8.86%0.43%0.29%67.5%
Q1 202664$207.6M8.71%0.33%0.33%65.8%
Q4 202566$200.7M8.92%0.28%0.44%67.0%
Q3 202559$200.5M8.84%0.87%0.46%67.8%
Q2 202566$194.6M8.95%0.11%0.40%70.6%
Q1 202565$194.2M8.85%0.15%0.31%69.3%
Q4 202465$185.7M9.17%0.34%0.44%74.6%
Q3 202464$184.3M9.10%0.33%0.40%72.6%
Q2 202466$181.5M9.14%0.22%0.42%73.2%

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 ratio8.86%
11th
Problem loans0.43%
72nd
Net charge-offs0.29%
59th
Return on assets0.29%
17th
Loans to deposits67.5%
66th
Uninsured deposits2.7%
85th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
62nd

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Union of OhioCredit union Hilliard, OH60 out of 100, Moderate$205.4M10.7%1.34%vs
Aurgroup Credit UnionCredit union Fairfield, OH68 out of 100, Moderate$203.8M8.9%0.40%vs
Achieve Credit UnionCredit union Elyria, OH69 out of 100, Moderate$210.1M11.3%1.01%vs
Abbey Credit UnionCredit union Vandalia, OH53 out of 100, Below average$200.1M8.1%1.47%vs
Firestone Federal Credit UnionCredit union Akron, OH82 out of 100, Strong$198.1M18.1%1.15%vs
Towpath Credit UnionCredit union Fairlawn, OH67 out of 100, Moderate$214.9M11.4%0.95%vs

Deposit insurance

Is my money safe at Impact Credit Union, Inc.?

Yes. Impact Credit Union, Inc. is a federally insured credit union (NCUA charter #68150). 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 2.7% of shares and deposits ($5.0M) 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 8.86%, slightly 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

Impact Credit Union, Inc. lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Impact Credit Union, Inc.
Type
Federally insured state-chartered credit union
NCUA charter #
68150
RSSD ID
240477
Primary regulator
State + NCUA
Established
1994
Headquarters
1455 W McPherson Hwy, Clyde, OH 43410
Employees
53

Quick answers

Impact Credit Union, Inc.: common questions

Is Impact Credit Union, Inc. NCUA insured?

Yes. Impact Credit Union, Inc. is a federally insured credit union (NCUA charter #68150). 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 Impact Credit Union, Inc.'s TellerScore?

63 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 Impact Credit Union, Inc. have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Clyde

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
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
The Farmers State BankBank New Madison, OH75 out of 100, Strong$329.6M10.9%0.28%vs
First Federal Bank of OhioBank Galion, OH75 out of 100, Strong$282.9M13.7%0.93%vs