TellerScore

Topmark Federal Credit Union is a federal credit union headquartered in Cridersville, Ohio, in business for about 63 years. At the end of Q2 2026 it reported $62.6M in total assets and $56.2M in member shares and deposits, with 3 offices.

Topmark Federal Credit Union has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 163rd. Funding & liquidity contributes the most (90/100, 71% loans-to-deposits, 1% uninsured); earnings contributes the least (36/100, 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.16%
Loan quality47/100
Loans 60+ days delinquent ÷ total loans: 1.60%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 1.4% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.01%

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 (54 → 56), mostly because the loan quality component improved by 16 points.

TellerScore
495357Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202457
Q4 202450
Q1 202549
Q2 202554
Q3 202552
Q4 202553
Q1 202655
Q2 202656
Net worth ratio
7.00%8.75%10.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.78%
Q3 202410.20%
Q4 202410.28%
Q1 20259.98%
Q2 202510.33%
Q3 202510.51%
Q4 202510.35%
Q1 202610.14%
Q2 202610.16%
Delinquent loans (60+ days)
1.40%1.91%2.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.40%
Q3 20241.70%
Q4 20242.42%
Q1 20252.22%
Q2 20252.06%
Q3 20252.21%
Q4 20252.05%
Q1 20261.64%
Q2 20261.60%
Return on assets
0.35%0.54%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.41%
Q3 20240.72%
Q4 20240.68%
Q1 20250.44%
Q2 20250.70%
Q3 20250.61%
Q4 20250.55%
Q1 20260.35%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$62.6M10.16%1.60%0.39%70.7%
Q1 202655$62.3M10.14%1.64%0.35%70.2%
Q4 202553$60.5M10.35%2.05%0.55%73.1%
Q3 202552$59.0M10.51%2.21%0.61%76.0%
Q2 202554$59.4M10.33%2.06%0.70%74.2%
Q1 202549$60.2M9.98%2.22%0.44%72.8%
Q4 202450$57.9M10.28%2.42%0.68%75.6%
Q3 202457$57.6M10.20%1.70%0.72%74.8%
Q2 202456$58.1M9.78%1.40%0.41%72.1%

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 ratio10.16%
18th
Problem loans1.60%
27th
Net charge-offs1.12%
13th
Return on assets0.39%
36th
Loans to deposits70.7%
32nd
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio10.0%
14th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Toledo Metro Federal Credit UnionCredit union Toledo, OH65 out of 100, Moderate$64.1M8.8%0.43%vs
Falls Catholic Credit UnionCredit union Cuyahoga Falls, OH80 out of 100, Strong$60.2M17.4%1.19%vs
Promedica Federal Credit UnionCredit union Toledo, OH62 out of 100, Moderate$60.2M10.2%0.75%vs
St. Josephs Canton Parish Federal Credit UnionCredit union Canton, OH78 out of 100, Strong$65.1M11.3%0.36%vs
Southeastern Ohio Credit UnionCredit union Cambridge, OH78 out of 100, Strong$65.4M12.1%1.03%vs
Summit Federal Credit UnionCredit union Akron, OH86 out of 100, Very strong$59.2M15.6%0.56%vs

Deposit insurance

Is my money safe at Topmark Federal Credit Union?

Yes. Topmark Federal Credit Union is a federally insured credit union (NCUA charter #15438). 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 1.4% of shares and deposits ($775K) 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 10.16%, 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

Topmark Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Topmark Federal Credit Union reported 88 home-loan applications under HMDA (LEI 549300QKFRNUZ2L5LY47): 46 originated ($6,860,000 total), 22 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Topmark Federal Credit Union
Type
Federal credit union
NCUA charter #
15438
RSSD ID
278087
Primary regulator
NCUA
Established
1963
Headquarters
609 E Main Street, Cridersville, OH 45806
Employees
22

Quick answers

Topmark Federal Credit Union: common questions

Is Topmark Federal Credit Union NCUA insured?

Yes. Topmark Federal Credit Union is a federally insured credit union (NCUA charter #15438). 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 Topmark Federal Credit Union's TellerScore?

56 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 Topmark Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cridersville

InstitutionScoreAssetsCapitalProblem loansCompare
The Ottoville Bank CompanyBank Ottoville, OH95 out of 100, Very strong$93.8M21.4%0.00%vs
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
The Peoples Bank Co.Bank Coldwater, OH85 out of 100, Very strong$859.2M11.9%0.13%vs
Millstream Area Credit UnionCredit union Findlay, OH82 out of 100, Strong$70.8M12.6%0.66%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
First National Bank in New BremenBank New Bremen, OH78 out of 100, Strong$467.1M10.8%0.17%vs