TellerScore

Sylvania Area Federal Credit Union (NCUA charter #17733) is based in Sylvania, Ohio. Its Q2 2026 call report shows $24.2M in total assets and $22.2M in member shares and deposits and 3 offices across 2 states.

Sylvania Area Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 99th. Funding & liquidity contributes the most (100/100, 35% loans-to-deposits, 0% uninsured); earnings contributes the least (39/100, 0.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.79%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings39/100
Return on assets (annualized): 0.46%
Funding & liquidity100/100
Loans ÷ shares: 34.5% · 0.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.98%

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 12 points (58 → 70), mostly because the earnings component improved by 39 points.

TellerScore
586470Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202458
Q4 202464
Q1 202559
Q2 202558
Q3 202558
Q4 202562
Q1 202670
Q2 202670
Net worth ratio
7.00%9.04%11.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.07%
Q3 20248.47%
Q4 20248.43%
Q1 20258.15%
Q2 20257.94%
Q3 20258.46%
Q4 20258.91%
Q1 20269.20%
Q2 20269.79%
Delinquent loans (60+ days)
0.01%0.34%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.68%
Q4 20240.16%
Q1 20250.05%
Q2 20250.04%
Q3 20250.56%
Q4 20250.45%
Q1 20260.01%
Q2 20260.30%
Return on assets
-0.64%-0.09%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.38%
Q3 2024-0.10%
Q4 20240.11%
Q1 2025-0.64%
Q2 2025-0.51%
Q3 2025-0.12%
Q4 20250.04%
Q1 20260.39%
Q2 20260.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$24.2M9.79%0.30%0.46%34.5%
Q1 202670$25.5M9.20%0.01%0.39%32.3%
Q4 202562$26.0M8.91%0.45%0.04%33.1%
Q3 202558$27.0M8.46%0.56%-0.12%30.2%
Q2 202558$28.2M7.94%0.04%-0.51%27.7%
Q1 202559$28.0M8.15%0.05%-0.64%26.9%
Q4 202464$27.6M8.43%0.16%0.11%28.5%
Q3 202458$26.8M8.47%0.68%-0.10%30.0%
Q2 202469$25.7M11.07%0.02%-0.38%30.6%

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 ratio9.79%
15th
Problem loans0.30%
68th
Net charge-offs-0.69%
98th
Return on assets0.46%
40th
Loans to deposits34.5%
84th
Uninsured deposits0.4%
59th
Loan-loss reserves0.00%
37th
Texas ratio1.0%
66th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Parish Federal Credit UnionCredit union Toledo, OH87 out of 100, Very strong$24.0M11.8%0.06%vs
Members Trust Federal Credit UnionCredit union Mason, OH87 out of 100, Very strong$23.4M19.1%0.05%vs
Eight Federal Credit UnionCredit union Rossford, OH96 out of 100, Very strong$25.3M14.8%0.02%vs
Ashland Community Federal Credit UnionCredit union Ashland, OH84 out of 100, Strong$23.1M12.3%0.10%vs
Ohio Valley Federal Credit UnionCredit union Batavia, OH60 out of 100, Moderate$25.7M9.6%1.57%vs
Steel Valley Federal Credit UnionCredit union Cleveland, OH34 out of 100, Low$22.3M9.5%5.13%vs

Deposit insurance

Is my money safe at Sylvania Area Federal Credit Union?

Yes. Sylvania Area Federal Credit Union is a federally insured credit union (NCUA charter #17733). 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 0.4% 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 9.79%, 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

Sylvania Area Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sylvania Area Federal Credit Union
Type
Federal credit union
NCUA charter #
17733
RSSD ID
120681
Primary regulator
NCUA
Established
1966
Headquarters
6613 Maplewood Ave, Sylvania, OH 43560
Employees
5

Quick answers

Sylvania Area Federal Credit Union: common questions

Is Sylvania Area Federal Credit Union NCUA insured?

Yes. Sylvania Area Federal Credit Union is a federally insured credit union (NCUA charter #17733). 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 Sylvania Area Federal Credit Union's TellerScore?

70 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 Sylvania Area 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 Sylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Eight Federal Credit UnionCredit union Rossford, OH96 out of 100, Very strong$25.3M14.8%0.02%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
First Federal Savings and Loan AssociationBank Delta, OH93 out of 100, Very strong$246.0M16.5%0.00%vs
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Parish Federal Credit UnionCredit union Toledo, OH87 out of 100, Very strong$24.0M11.8%0.06%vs