Doy Federal Credit Union

Credit UnionFCUYoungstown, OH·Est. 1971·NCUA #20661Compare ⇄▤ Account brief

Total assets

$70.1M

▲ +7.3% YoY

Shares & deposits

$60.2M

▲ +7.9% YoY

Loans

$26.2M

▲ +7.5% YoY

Members

2,078

▼ -7.1% YoY

ROA (annualized)

0.75%

peers 0.60%

ROE (annualized)

5.34%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+7.3%	+1.3%	+6.0 pts
Share growth (YoY)	+7.9%	+0.7%	+7.3 pts
Loan growth (YoY)	+7.5%	-2.4%	+9.8 pts
ROA	0.75%	0.60%	+0.1 pts
ROE	5.3%	4.1%	+1.2 pts

ROA ranks in the 58th percentile of its peer group · Q1 2026

Profile

Established: 1971
Charter: FCU
Primary regulator: NCUA
NCUA peer group: Peer group 4
Address: 1500 Gypsy Ln, Youngstown, OH, 44505
NCUA charter #: 20661
RSSD ID: 732084
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	$70.1M	$60.2M	$26.2M	$9.9M	$132K	0.75%	1.47%	0.03%	2,078
Q4 2025	$69.3M	$59.5M	$25.3M	$9.7M	$313K	0.45%	1.20%	0.03%	2,102
Q3 2025	$66.8M	$57.2M	$25.7M	$9.6M	$225K	0.45%	1.22%	0.05%	2,117
Q2 2025	$66.9M	$57.3M	$25.5M	$9.6M	$162K	0.49%	1.23%	0.04%	2,136
Q1 2025	$65.3M	$55.8M	$24.4M	$9.5M	$79K	0.49%	1.23%	0.05%	2,236
Q4 2024	$62.7M	$53.3M	$24.3M	$9.4M	$365K	0.58%	1.39%	0.05%	2,259
Q3 2024	$61.8M	$52.4M	$24.9M	$9.3M	$272K	0.59%	1.42%	0.07%	2,288
Q2 2024	$62.2M	$52.8M	$25.8M	$9.2M	$175K	0.56%	1.39%	0.18%

Signals what changed in the call reports

Members down·Members -7.1% YoY (2%+ decline) — Losing members — growth and digital experience are top of mind

Earlier quarters (5)

Members -6.9% YoY (2%+ decline)Q4 2025
Shares & deposits +11.7% YoYQ4 2025
Members -7.5% YoY (2%+ decline)Q3 2025
Efficiency ratio 64.1%, worse 3 quarters runningQ3 2025
Members -8.0% YoY (2%+ decline)Q2 2025

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Doy Federal Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.75%	0.60%	58th
Return on equity Annualized net income ÷ equity or net worth	5.3%	4.1%	59th
Net interest margin Interest income − interest expense, ÷ assets	1.47%	3.83%

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Ratio	Doy Federal Credit Union	Peer median
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%

Ratio	Doy Federal Credit Union	Trend (8q)	Peer median	Peer percentile
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high	00.0%		00.0%
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up	00.0%		00.0%

Ratio	Doy Federal Credit Union	Peer median
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%

Ratio	Doy Federal 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%