Directions Credit Union
Total assets
$1.39B
▲ +3.2% YoY
Shares & deposits
$1.21B
▲ +3.9% YoY
Loans
$1.12B
▲ +5.5% YoY
Members
97,389
▲ +3.5% YoY
ROA (annualized)
0.53%
peers 0.71%
ROE (annualized)
5.78%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.1% | -1.9 pts |
| Share growth (YoY) | +3.9% | +4.9% | -1.0 pts |
| Loan growth (YoY) | +5.5% | +5.4% | +0.1 pts |
| ROA | 0.53% | 0.71% | -0.2 pts |
| ROE | 5.8% | 6.3% | -0.5 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 200 N St Clair St, Suite 1600, Toledo, OH, 43604
- NCUA charter #
- 60978
- RSSD ID
- 142898
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.39B | $1.21B | $1.12B | $126.3M | $1.8M | 0.53% | 3.58% | 0.36% | 97,389 |
| Q4 2025 | $1.36B | $1.18B | $1.11B | $124.5M | $4.8M | 0.35% | 3.45% | 0.33% | 94,800 |
| Q3 2025 | $1.34B | $1.16B | $1.10B | $124.3M | $4.2M | 0.42% | 3.42% | 0.39% | 94,708 |
| Q2 2025 | $1.35B | $1.16B | $1.09B | $122.9M | $2.9M | 0.43% | 3.31% | 0.38% | 94,781 |
| Q1 2025 | $1.35B | $1.16B | $1.06B | $121.3M | $1.3M | 0.38% | 3.24% | 0.33% | 94,140 |
| Q4 2024 | $1.30B | $1.12B | $1.04B | $120.0M | $7.8M | 0.60% | 3.35% | 0.41% | 94,001 |
| Q3 2024 | $1.25B | $1.06B | $1.01B | $118.6M | $6.0M | 0.64% | 3.50% | 0.39% | 94,087 |
| Q2 2024 | $1.26B | $1.07B | $1.00B | $116.7M | $4.1M | 0.66% | 3.45% | 0.25% | 94,282 |
Loan mix (Q1 2026): real estate $549.4M · commercial $38.2M · consumer $491.4M · securities $46.9M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Directions Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.71% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 6.3% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.32% | 68th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 73.0% | 84th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Directions Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Directions Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Directions Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Directions Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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