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Impact Credit Union, Inc.
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Impact Credit Union, Inc. Share
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Overview Share
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Impact Credit Union, Inc. is a federally insured state credit union based in Clyde, Ohio. It has been opened since 1994, for 28 years.

With around $142,880,000 in assets, Impact Credit Union, Inc. is considered to be a large credit union. It has 6 branches and 5 ATM locations.

About Share
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Address 1455 W. Mcpherson Highway
Clyde, Ohio 43410
Website http://www.impactcu.org
Phone (419) 547-7781
Fax (419) 547-6669
CEO Scott Hicks
President of the Board David Hamrick
Services Offered
Score Card Share
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28 years
Years in business
Opened in 1994
Well Capitalized
Net worth classification
Source: NCUA
16,231 members
Membership type: State chartered natural person credit union
Above average number of members
264:1
Credit union member to staff ratio
264 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$142,880,341
Total assets
Above average
6 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
9.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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6 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
Impact Credit Union, Inc. Branch Locations

Impact Credit Union, Inc.: Impact Credit Union Walbridge Office
113 S. Main Street
Walbridge, Ohio 43465
ATM Available
Impact Credit Union, Inc.: Impact Credit Union Fremont Office
1466 Oak Harbor Road
Fremont, Ohio 43420
ATM Available
Impact Credit Union, Inc.: Impact Credit Union Tiffin Office
435 W. Market Street
Tiffin, Ohio 44883
ATM Available
Impact Credit Union, Inc.: Impact Credit Union East Office
14901 E. State Route 12
Findlay, Ohio 45840
ATM Available
Impact Credit Union, Inc.: Impact Credit Union
1455 W. Mcpherson Highway
Clyde, Ohio 43410
ATM Available
Members Share
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16,231 members
Membership type: State chartered natural person credit union
Above average number of members

With 16,231 members, the Impact Credit Union, Inc. is considered to be a large credit union. It is larger than 78% of credit unions.

Fees Share
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$74
Average fee per member
The average fee per member at the Impact Credit Union, Inc. is $74, which is high compared to most credit unions. This rate is higher than 69% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Impact Credit Union, Inc.. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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264:1
Credit union member to staff ratio
264 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
62 staff members
FTE (full-time equivalent)
11% of employees are part-time
58 full-time, 7 part-time

Impact Credit Union, Inc. has 58 full-time staff members and 7 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 89% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Impact Credit Union, Inc. has around 264 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$142,880,341
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$10,220
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 51% of credit unions.

Impact Credit Union, Inc. holds a total of $103,390,000 in loans and leases, which is about $10,220 per member on average.

Savings interest rate Share
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Impact Credit Union, Inc. pays 0.05%.

Loan rates Share
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9.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
12.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.74%
New car loan rate
Compared to 4.0% nationally
6.24%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.75%
Other real estate loan rates
Compared to 0.9% nationally

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Impact Credit Union, Inc.: Impact Credit Union
Credit Union Branch: 1455 W. Mcpherson Highway
Clyde, Ohio 43410 ATM Available
Impact Credit Union, Inc.: Impact Credit Union Fremont Office ATM
Credit Union ATM: 1466 Oak Harbor Road
Fremont, Ohio 43420
Impact Credit Union, Inc.: Impact Credit Union East Office
Credit Union Branch: 14901 E. State Route 12
Findlay, Ohio 45840 ATM Available
Impact Credit Union, Inc.: Impact Credit Union East Office ATM
Credit Union ATM: 14901 E. State Route 12
Findlay, Ohio 45840
Impact Credit Union, Inc.: Impact Credit Union ATM
Credit Union ATM: 1455 W. Mcpherson Highway
Clyde, Ohio 43410
Impact Credit Union, Inc.: Impact Credit Union North Office
Credit Union Branch: 11814 Townsip Road 100
Findlay, Ohio 45840 No ATM
Impact Credit Union, Inc.
Credit Union: Well Capitalized Clyde, Ohio 16231.0 $143 million Well Capitalized
Impact Credit Union, Inc.: Impact Credit Union Walbridge Office
Credit Union Branch: 113 S. Main Street
Walbridge, Ohio 43465 ATM Available
Impact Credit Union, Inc.: Impact Credit Union Fremont Office
Credit Union Branch: 1466 Oak Harbor Road
Fremont, Ohio 43420 ATM Available
Impact Credit Union, Inc.: Impact Credit Union Tiffin Office
Credit Union Branch: 435 W. Market Street
Tiffin, Ohio 44883 ATM Available