CODE
State-Chartered • Dayton, Ohio • Est. 1940
Quick Facts
- Charter Number
- #66840
- Type
- State-Chartered
- Established
- 1940
- Headquarters
- Dayton, Ohio 45402
- Address
- 355 W Monument Ave
- Branches
- 5
- ATMs
- 3
- Members
- 13,127
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
13,127 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CODE |
|---|---|
| Total Assets | $174.7M |
| Members | 13,127 |
| Loans Outstanding | $101.6M |
| Shares & Deposits | $152.7M |
| Net Worth | $20.7M |
| Net Worth Ratio | 11.82% |
| Loan-to-Share Ratio | 66.5% |
| Delinquency Rate | 0.83% |
| Net Income | +$2,209,817 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 3 ATMs
Dayton
355 W Monument Ave
Dayton, OH 45402
Englewood
415 W National Rd
Englewood, OH 45322-1405
Northmont High School Student Run Credit Union
4916 National Rd
Clayton, OH 45315
Administrative Office
Main Office285 Liberty St
Dayton, OH 45402
Stebbins High School Student Run Credit Union
1900 Harshman Rd
Dayton, OH 45424
Who Can Join CODE?
Membership Type: Community
Membership eligibility for CODE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CODE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Ohio RankingsFrequently Asked Questions
Yes. CODE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CODE has 13,127 members and a potential membership field of 32,818 people.
CODE's net worth ratio is 11.82% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.8%, CODE meets this threshold.
CODE operates 5 branch locations and has access to 3 ATMs. The main office is located at 285 Liberty St, Dayton, OH 45402.
CODE was established in 1940. It is a state-chartered credit union chartered under charter number 66840. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CODE. All financial data is for informational purposes only.