TellerScore

Headquartered in Mc Donald, Ohio, McDonald Community Federal Credit Union is a federal credit union with $4.4M in total assets and $3.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1936.

Based on its Q2 2026 filing, McDonald Community Federal Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 61st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (32/100; 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.47%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity100/100
Loans ÷ shares: 13.4% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 2 points (77 → 79), mostly because the earnings component weakened by 27 points.

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202478
Q4 202477
Q1 202580
Q2 202577
Q3 202580
Q4 202579
Q1 202679
Q2 202679
Net worth ratio
7.00%9.74%12.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.72%
Q3 20249.87%
Q4 202410.02%
Q1 202510.02%
Q2 20259.93%
Q3 202510.94%
Q4 202511.16%
Q1 202611.89%
Q2 202612.47%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.29%0.84%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.02%
Q3 20241.16%
Q4 20241.04%
Q1 20251.38%
Q2 20250.97%
Q3 20250.98%
Q4 20250.79%
Q1 20260.58%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$4.4M12.47%0.00%0.29%13.4%
Q1 202679$4.6M11.89%0.00%0.58%12.2%
Q4 202579$4.9M11.16%0.00%0.79%12.7%
Q3 202580$5.0M10.94%0.00%0.98%14.2%
Q2 202577$5.4M9.93%0.00%0.97%13.8%
Q1 202580$5.2M10.02%0.00%1.38%15.6%
Q4 202477$5.0M10.02%0.00%1.04%17.9%
Q3 202478$5.0M9.87%0.00%1.16%18.8%
Q2 202476$4.9M9.72%0.00%1.02%20.4%

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 ratio12.47%
35th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.29%
31st
Loans to deposits13.4%
98th
Uninsured deposits0.0%
81st
Loan-loss reserves2.90%
93rd
Texas ratio0.0%
93rd

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Nueva Esperanza Community Credit UnionCredit union Toledo, OH68 out of 100, Moderate$4.5M47.8%2.79%vs
W T Community Federal Credit UnionCredit union Cincinnati, OH66 out of 100, Moderate$4.6M9.8%0.09%vs
Christo Rey Federal Credit UnionCredit union Ney, OH71 out of 100, Strong$3.6M8.9%0.00%vs
Nickel Steel Federal Credit UnionCredit union Lima, OH76 out of 100, Strong$5.2M33.1%0.42%vs
U.P.S. Credit UnionCredit union Cincinnati, OH49 out of 100, Below average$3.1M13.2%2.77%vs
S and J School Employees Federal Credit UnionCredit union Wintersville, OH45 out of 100, Below average$3.1M10.9%3.16%vs

Deposit insurance

Is my money safe at McDonald Community Federal Credit Union?

Yes. McDonald Community Federal Credit Union is a federally insured credit union (NCUA charter #1599). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.47%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

McDonald Community Federal Credit Union lists 1 office in 1 city. Most locations:

  • Mc Donald, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
McDonald Community Federal Credit Union
Type
Federal credit union
NCUA charter #
1599
RSSD ID
415275
Primary regulator
NCUA
Established
1936
Headquarters
408 Ohio Ave, Mc Donald, OH 44437
Employees
3

Quick answers

McDonald Community Federal Credit Union: common questions

Is McDonald Community Federal Credit Union NCUA insured?

Yes. McDonald Community Federal Credit Union is a federally insured credit union (NCUA charter #1599). 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 McDonald Community Federal Credit Union's TellerScore?

79 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 McDonald Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mc Donald

InstitutionScoreAssetsCapitalProblem loansCompare
Doy Federal Credit UnionCredit union Youngstown, OH85 out of 100, Very strong$70.8M14.1%0.25%vs
Stark Federal Credit UnionCredit union Canton, OH83 out of 100, Strong$217.7M13.3%0.76%vs
First Choice Federal Credit UnionCredit union New Castle, PA82 out of 100, Strong$94.5M12.6%0.79%vs
Pennstar Federal Credit UnionCredit union Hermitage, PA81 out of 100, Strong$58.7M15.6%1.01%vs
New Castle Bellco Federal Credit UnionCredit union New Castle, PA79 out of 100, Strong$14.9M11.9%0.04%vs
Greenville Savings BankBank Greenville, PA74 out of 100, Strong$342.7M12.8%0.17%vs