TellerScore

Treadwell Credit Union (NCUA charter #97105) is based in Dayton, Ohio. Its Q2 2026 call report shows $134.2M in total assets and $119.9M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Treadwell Credit Union scores 55/100, which we describe as moderate. That is higher than only 12% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 166th. Its strongest component is problem-loan coverage (84/100; 8.0%), and its lowest is earnings (34/100; 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.02%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity68/100
Loans ÷ shares: 92.0% · 0.0% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.97%

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 15 points (70 → 55), mostly because the earnings component weakened by 66 points.

TellerScore
556371Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202457
Q4 202456
Q1 202557
Q2 202570
Q3 202571
Q4 202566
Q1 202656
Q2 202655
Net worth ratio
7.00%8.01%9.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.53%
Q3 20248.69%
Q4 20248.61%
Q1 20258.65%
Q2 20258.34%
Q3 20258.67%
Q4 20258.68%
Q1 20268.78%
Q2 20269.02%
Delinquent loans (60+ days)
0.39%0.63%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.48%
Q4 20240.65%
Q1 20250.58%
Q2 20250.52%
Q3 20250.46%
Q4 20250.66%
Q1 20260.76%
Q2 20260.87%
Return on assets
0.18%1.41%2.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.18%
Q4 20240.32%
Q1 20250.22%
Q2 20252.63%
Q3 20251.92%
Q4 20251.53%
Q1 20260.29%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$134.2M9.02%0.87%0.35%92.0%
Q1 202656$136.3M8.78%0.76%0.29%88.5%
Q4 202566$136.7M8.68%0.66%1.53%91.5%
Q3 202571$136.4M8.67%0.46%1.92%95.0%
Q2 202570$133.8M8.34%0.52%2.63%92.2%
Q1 202557$122.8M8.65%0.58%0.22%89.5%
Q4 202456$122.7M8.61%0.65%0.32%88.8%
Q3 202457$119.8M8.69%0.48%0.18%89.4%
Q2 202458$121.6M8.53%0.39%0.20%86.4%

1,341 peers · $100 million – $1 billion

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 ratio9.02%
14th
Problem loans0.87%
38th
Net charge-offs0.68%
22nd
Return on assets0.35%
21st
Loans to deposits92.0%
13th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio8.0%
21st

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Pillar Credit UnionCredit union Marion, OH76 out of 100, Strong$134.8M11.6%0.60%vs
Greater Cincinnati School Credit UnionCredit union Cincinnati, OH78 out of 100, Strong$135.1M13.4%0.46%vs
Firefighters & Company Federal Credit UnionCredit union Dayton, OH57 out of 100, Moderate$129.4M9.5%1.24%vs
Community One Credit Union of OhioCredit union North Canton, OH80 out of 100, Strong$129.3M13.0%0.62%vs
Education First Credit Union, Inc.Credit union Columbus, OH54 out of 100, Below average$145.7M10.0%2.13%vs
Hancock Federal Credit UnionCredit union Findlay, OH60 out of 100, Moderate$118.4M8.8%0.58%vs

Deposit insurance

Is my money safe at Treadwell Credit Union?

Treadwell Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.02%, 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

Treadwell Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Treadwell Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97105
RSSD ID
263999
Primary regulator
State + NCUA
Established
1957
Headquarters
P.O. Box 13087, Dayton, OH 45413
Employees
31

Quick answers

Treadwell Credit Union: common questions

Is Treadwell Credit Union NCUA insured?

Treadwell Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Treadwell Credit Union's TellerScore?

55 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 Treadwell Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dayton

InstitutionScoreAssetsCapitalProblem loansCompare
The Covington Savings and Loan AssociationBank Covington, OH91 out of 100, Very strong$84.0M18.6%0.00%vs
The First Central National Bank of St. ParisBank St. Paris, OH87 out of 100, Very strong$97.0M18.9%0.02%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs
Postal Family Credit Union, Inc.Credit union Cincinnati, OH79 out of 100, Strong$66.2M18.1%1.44%vs