Morrow County Federal Credit Union is a federal credit union headquartered in Mount Gilead, Ohio, in business for about 52 years. At the end of Q2 2026 it reported $12.2M in total assets and $10.3M in member shares and deposits, with 3 offices across 2 states.
Morrow County Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 128th. Capital cushion contributes the most (100/100, 16.23%); loan quality contributes the least (8/100, 2.75%).
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 fell 3 points (68 → 65), mostly because the earnings component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 79 |
| Q1 2025 | 66 |
| Q2 2025 | 68 |
| Q3 2025 | 66 |
| Q4 2025 | 68 |
| Q1 2026 | 67 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.69% |
| Q3 2024 | 17.87% |
| Q4 2024 | 18.09% |
| Q1 2025 | 17.78% |
| Q2 2025 | 18.56% |
| Q3 2025 | 18.62% |
| Q4 2025 | 17.89% |
| Q1 2026 | 17.87% |
| Q2 2026 | 16.23% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.87% |
| Q3 2024 | 1.90% |
| Q4 2024 | 1.41% |
| Q1 2025 | 2.64% |
| Q2 2025 | 5.20% |
| Q3 2025 | 4.36% |
| Q4 2025 | 4.18% |
| Q1 2026 | 3.90% |
| Q2 2026 | 2.75% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.66% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.34% |
| Q1 2026 | 1.18% |
| Q2 2026 | 0.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $12.2M | 16.23% | 2.75% | 0.67% | 43.0% |
| Q1 2026 | 67 | $11.1M | 17.87% | 3.90% | 1.18% | 45.2% |
| Q4 2025 | 68 | $10.9M | 17.89% | 4.18% | 1.34% | 47.3% |
| Q3 2025 | 66 | $10.1M | 18.62% | 4.36% | 1.16% | 54.5% |
| Q2 2025 | 68 | $10.1M | 18.56% | 5.20% | 1.39% | 49.7% |
| Q1 2025 | 66 | $10.2M | 17.78% | 2.64% | 0.66% | 49.2% |
| Q4 2024 | 79 | $9.9M | 18.09% | 1.41% | 0.91% | 51.9% |
| Q3 2024 | 75 | $9.8M | 17.87% | 1.90% | 0.89% | 54.2% |
| Q2 2024 | 76 | $9.3M | 18.69% | 1.87% | 1.04% | 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 |
|---|---|---|---|---|---|
| Ytr Community Federal Credit UnionCredit union Tiltonsville, OH | 77 out of 100, Strong | $12.1M | 15.1% | 1.65% | vs |
| Sorg Bay West Federal Credit UnionCredit union Middletown, OH | 17 out of 100, Low | $11.6M | 5.0% | 6.08% | vs |
| Local 50 Plumbers & Steamftrs Federal Credit UnionCredit union Northwood, OH | 80 out of 100, Strong | $11.6M | 15.4% | 1.54% | vs |
| Middletown Area Schools Credit UnionCredit union Middletown, OH | 84 out of 100, Strong | $11.3M | 15.2% | 1.09% | vs |
| Whitewater Community Credit UnionCredit union Harrison, OH | 69 out of 100, Moderate | $11.3M | 10.5% | 0.06% | vs |
| The Catholic Credit UnionCredit union Avon Lake, OH | 83 out of 100, Strong | $11.3M | 13.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Morrow County Federal Credit Union?
Yes. Morrow County Federal Credit Union is a federally insured credit union (NCUA charter #21606). 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 16.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Morrow County Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:
- BolingBrook, IL (1)
- Columbus, OH (1)
- Mount Gilead, OH (1)
Identity & history
Profile
- Legal name
- Morrow County Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21606
- RSSD ID
- 154284
- Primary regulator
- NCUA
- Established
- 1974
- Headquarters
- 800 W Marion Rd, Mount Gilead, OH 43338
- Employees
- 4
Quick answers
Morrow County Federal Credit Union: common questions
Is Morrow County Federal Credit Union NCUA insured?
Yes. Morrow County Federal Credit Union is a federally insured credit union (NCUA charter #21606). 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 Morrow County Federal Credit Union's TellerScore?
65 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 Morrow County Federal Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Mount Gilead
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C E S Credit UnionCredit union Mount Vernon, OH | 91 out of 100, Very strong | $244.3M | 13.1% | 0.16% | vs |
| First Bank of OhioBank Tiffin, OH | 90 out of 100, Very strong | $278.4M | 35.5% | 0.26% | vs |
| Fidelity Federal Savings and Loan Association of DelawareBank Delaware, OH | 82 out of 100, Strong | $131.6M | 17.0% | 0.04% | vs |
| The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH | 78 out of 100, Strong | $389.9M | 12.6% | 0.01% | vs |
| Sutton BankBank Attica, OH | 77 out of 100, Strong | $1.7B | 10.0% | 0.02% | vs |
| The Home Loan Savings BankBank Coshocton, OH | 77 out of 100, Strong | $386.7M | 11.7% | 0.58% | vs |