DIRECTIONS Credit Union Profile

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DIRECTIONS

Charter #60978 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (419) 841-9838

Fax:

Founding Date: N/A

Website: http://www.directionscu.org

Personnel & Operations

President: Kott, Mark

Manager: Shaner, Barry

FT Employees: 290

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 21

Hours: M - F 8:00 AM - 5:00 PM

Credit Union Profile Summary

DIRECTIONS is a FISCU Credit Union. With a total of 94,781 members ^[1], this institution manages approximately $1,350,804,683 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.37% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.39% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,350,804,683

Total economic resources.

Total Loans ^[1]

$1,086,399,826

Total value of outstanding loans.

Total Deposits ^[1]

$1,164,905,931

Total funds deposited by members.

Members ^[1]

94,781

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.37%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.44%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

93.26%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 7.37%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 8.39%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 0.53%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

200 N Saint Clair St Ste 1600

Toledo, OH, 43604-1549

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 24 branches reported by DIRECTIONS (Charter #60978).

Main Office

Corporate Office Main Office

Type: Corporate Office

200 N Saint Clair St Ste 1600

Toledo, OH 43604-1549

Phone: (419) 841-9838

Services: None specified

DIRECTIONS Credit Union Profile

DIRECTIONS

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

Corporate Office Main Office

Additional Branches

Ashland

Lambertville

Lexington

Mansfield

Maumee

Monroe

New Philadelphia

Ontario

Oregon

Perrysburg

Rossford

Shelby

Sylvania

Toledo

Willard

Wooster