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Overview / Commentary
3570 Union Ave SE
Minerva, OH 44657

Minerva Area Federal Credit Union is headquartered in Minerva and is the 212th largest credit union in the state of Ohio. It is also the 4,452nd largest credit union in the nation. It was established in 1971 and as of December of 2016, it had grown to 8 employees and 2,174 members at 1 location. Minerva Area Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the Minerva Local School District.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Minerva Area Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #20622
Year Chartered1971
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD1.78%
Annual Interest Income$450.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$8.0MM$7.7MM
LoansQ4 2016vs Q4 2015$4.1MM$4.5MM
DepositsQ4 2016vs Q4 2015$7.1MM$6.8MM
Equity CapitalQ4 2016vs Q4 2015$897.00K$880.00K
Loan Loss AllowanceQ4 2016vs Q4 2015$82.00K$101.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$57.00K$133.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0

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Minerva Area Federal Credit Union Locations
Branch Office3570 Union Ave SeMinerva, OH 44657