Minerva Area Federal Credit Union is a federal credit union headquartered in Minerva, Ohio, in business for about 55 years. At the end of Q2 2026 it reported $17.9M in total assets and $15.1M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Minerva Area Federal Credit Union scores 93/100, which we describe as very strong. That is higher than 94% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 7th. Its strongest component is capital cushion (100/100; 15.08%), and its lowest is earnings (73/100; 1.33%).
TellerScore · Q2 2026
Scorecard
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 4 points (89 → 93), mostly because the loan quality component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 91 |
| Q3 2024 | 86 |
| Q4 2024 | 90 |
| Q1 2025 | 83 |
| Q2 2025 | 89 |
| Q3 2025 | 85 |
| Q4 2025 | 83 |
| Q1 2026 | 88 |
| Q2 2026 | 93 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.13% |
| Q3 2024 | 15.09% |
| Q4 2024 | 15.06% |
| Q1 2025 | 14.41% |
| Q2 2025 | 15.16% |
| Q3 2025 | 15.90% |
| Q4 2025 | 15.76% |
| Q1 2026 | 14.92% |
| Q2 2026 | 15.08% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.07% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.65% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.28% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.38% |
| Q3 2024 | 2.34% |
| Q4 2024 | 2.23% |
| Q1 2025 | 0.75% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.55% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $17.9M | 15.08% | 0.14% | 1.33% | 50.9% |
| Q1 2026 | 88 | $17.6M | 14.92% | 0.47% | 1.13% | 49.5% |
| Q4 2025 | 83 | $16.3M | 15.76% | 1.28% | 1.41% | 53.1% |
| Q3 2025 | 85 | $15.9M | 15.90% | 1.27% | 1.55% | 56.3% |
| Q2 2025 | 89 | $16.2M | 15.16% | 0.65% | 1.40% | 55.0% |
| Q1 2025 | 83 | $16.5M | 14.41% | 0.62% | 0.75% | 52.3% |
| Q4 2024 | 90 | $15.6M | 15.06% | 1.07% | 2.23% | 56.9% |
| Q3 2024 | 86 | $15.0M | 15.09% | 1.53% | 2.34% | 62.0% |
| Q2 2024 | 91 | $15.4M | 14.13% | 0.66% | 2.38% | 59.3% |
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).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Toledo Urban Federal Credit UnionCredit union Toledo, OH | 42 out of 100, Below average | $18.0M | 9.8% | 1.78% | vs |
| Local Union 392 Federal Credit UnionCredit union Cincinnati, OH | 75 out of 100, Strong | $17.5M | 15.9% | 2.09% | vs |
| Bse Credit UnionCredit union Cleveland, OH | 72 out of 100, Strong | $17.3M | 9.9% | 0.07% | vs |
| Ohio Teamsters Credit UnionCredit union Independence, OH | 84 out of 100, Strong | $17.1M | 26.8% | 0.52% | vs |
| Holy Family Parma Federal Credit UnionCredit union Parma, OH | 60 out of 100, Moderate | $16.8M | 19.5% | 5.49% | vs |
| North Coast Credit UnionCredit union Fairview Park, OH | 62 out of 100, Moderate | $16.7M | 41.5% | 2.45% | vs |
Deposit insurance
Is my money safe at Minerva Area Federal Credit Union?
Yes. Minerva Area Federal Credit Union is a federally insured credit union (NCUA charter #20622). 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 0.6% of shares and deposits ($93K) 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 15.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Minerva Area Federal Credit Union lists 1 office in 1 city. Most locations:
- Minerva, OH (1)
Identity & history
Profile
- Legal name
- Minerva Area Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 20622
- RSSD ID
- 728180
- Primary regulator
- NCUA
- Established
- 1971
- Headquarters
- 3570 Union Ave Se, Minerva, OH 44657
- Employees
- 10
Quick answers
Minerva Area Federal Credit Union: common questions
Is Minerva Area Federal Credit Union NCUA insured?
Yes. Minerva Area Federal Credit Union is a federally insured credit union (NCUA charter #20622). 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 Minerva Area Federal Credit Union's TellerScore?
93 out of 100 (Very 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 Minerva Area Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Minerva
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Firstenergy Family Credit UnionCredit union Akron, OH | 93 out of 100, Very strong | $47.2M | 16.5% | 0.53% | vs |
| The Bank of Magnolia CompanyBank Magnolia, OH | 89 out of 100, Very strong | $107.8M | 13.0% | 0.12% | vs |
| Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH | 88 out of 100, Very strong | $113.7M | 17.3% | 0.01% | vs |
| Harvest Federal Credit UnionCredit union Heath, OH | 84 out of 100, Strong | $43.9M | 12.8% | 0.30% | vs |
| Stark Federal Credit UnionCredit union Canton, OH | 83 out of 100, Strong | $217.7M | 13.3% | 0.76% | vs |
| Dover-Phila Federal Credit UnionCredit union Dover, OH | 83 out of 100, Strong | $812.6M | 13.3% | 0.91% | vs |