TellerScore

Ytr Community Federal Credit Union is a federal credit union headquartered in Tiltonsville, Ohio, in business for about 60 years. At the end of Q2 2026 it reported $12.1M in total assets and $10.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Ytr Community Federal Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 72nd. Its strongest component is capital cushion (100/100; 15.05%), and its lowest is loan quality (45/100; 1.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.05%
Loan quality45/100
Loans 60+ days delinquent ÷ total loans: 1.65%
Earnings57/100
Return on assets (annualized): 0.91%
Funding & liquidity100/100
Loans ÷ shares: 52.2% · 0.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.85%

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 13 points (90 → 77), mostly because the loan quality component weakened by 52 points.

TellerScore
768593Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202489
Q4 202488
Q1 202589
Q2 202590
Q3 202593
Q4 202583
Q1 202676
Q2 202677
Net worth ratio
7.00%11.03%15.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.09%
Q3 202413.41%
Q4 202413.04%
Q1 202513.45%
Q2 202513.93%
Q3 202514.34%
Q4 202514.82%
Q1 202614.47%
Q2 202615.05%
Delinquent loans (60+ days)
0.00%0.82%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.08%
Q4 20240.05%
Q1 20250.00%
Q2 20250.09%
Q3 20250.30%
Q4 20251.34%
Q1 20261.47%
Q2 20261.65%
Return on assets
0.77%1.22%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.30%
Q4 20241.25%
Q1 20251.23%
Q2 20251.30%
Q3 20251.68%
Q4 20251.45%
Q1 20260.77%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$12.1M15.05%1.65%0.91%52.2%
Q1 202676$12.4M14.47%1.47%0.77%49.8%
Q4 202583$11.9M14.82%1.34%1.45%51.6%
Q3 202593$12.2M14.34%0.30%1.68%48.4%
Q2 202590$12.0M13.93%0.09%1.30%48.1%
Q1 202589$12.1M13.45%0.00%1.23%49.4%
Q4 202488$12.2M13.04%0.05%1.25%46.2%
Q3 202489$11.6M13.41%0.08%1.30%47.5%
Q2 202486$11.5M13.09%0.12%1.10%44.3%

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).

Capital ratio15.05%
54th
Problem loans1.65%
26th
Net charge-offs-0.14%
95th
Return on assets0.91%
64th
Loans to deposits52.2%
60th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.8%
30th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Morrow County Federal Credit UnionCredit union Mount Gilead, OH65 out of 100, Moderate$12.2M16.2%2.75%vs
Sorg Bay West Federal Credit UnionCredit union Middletown, OH17 out of 100, Low$11.6M5.0%6.08%vs
Local 50 Plumbers & Steamftrs Federal Credit UnionCredit union Northwood, OH80 out of 100, Strong$11.6M15.4%1.54%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Whitewater Community Credit UnionCredit union Harrison, OH69 out of 100, Moderate$11.3M10.5%0.06%vs
The Catholic Credit UnionCredit union Avon Lake, OH83 out of 100, Strong$11.3M13.1%0.00%vs

Deposit insurance

Is my money safe at Ytr Community Federal Credit Union?

Yes. Ytr Community Federal Credit Union is a federally insured credit union (NCUA charter #17550). 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 15.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Ytr Community Federal Credit Union lists 1 office in 1 city. Most locations:

  • Tiltonsville, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Ytr Community Federal Credit Union
Type
Federal credit union
NCUA charter #
17550
RSSD ID
571386
Primary regulator
NCUA
Established
1966
Headquarters
134 3rd St, Tiltonsville, OH 43963
Employees
3

Quick answers

Ytr Community Federal Credit Union: common questions

Is Ytr Community Federal Credit Union NCUA insured?

Yes. Ytr Community Federal Credit Union is a federally insured credit union (NCUA charter #17550). 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 Ytr Community Federal Credit Union's TellerScore?

77 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 Ytr Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tiltonsville

InstitutionScoreAssetsCapitalProblem loansCompare
Marshall County Federal Credit UnionCredit union Moundsville, WV99 out of 100, Very strong$26.8M15.1%0.12%vs
First Choice America Community Federal Credit UnionCredit union Weirton, WV96 out of 100, Very strong$713.9M18.1%0.15%vs
Ibew 141 Federal Credit UnionCredit union Saint Clairsvil, OH90 out of 100, Very strong$1.3M19.6%0.00%vs
Strip Steel Community Federal Credit UnionCredit union Weirton, WV88 out of 100, Very strong$59.9M19.3%0.24%vs
Washington Financial BankBank Washington, PA81 out of 100, Strong$1.4B14.7%0.46%vs
Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV80 out of 100, Strong$455K32.2%1.18%vs