Federal credit union · Parma, Ohio · NCUA charter #4845
All Saints
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $44.4M
- Total assets
- 4,037
- Members
- 7.6%
- Net-worth ratio
All Saints - Share Insurance Coverage
Charter #4845's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
All Saints - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)80
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)81
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.57% | 30% |
| Delinquency Rate | 0.41% | 25% |
| Return on Assets | 1.04% | 15% |
| Member Growth | -6.38% | 15% |
| Loan-to-Share Ratio | 57.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $44.4M | 4,037 |
| 2024Q4 | $44.4M | 4,312 |
| 2023Q4 | $48.0M | 4,702 |
Credit Union Details
- Charter Number
- 4845
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Parma
- Data Quarter
- 2025Q4
What This Data Says About All Saints
Charter #4845, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's All Saints, a federal credit union in Parma, Ohio with 4,037 members, $44.4M in total assets, and $20.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 76/100 (Very Good), helped by a net worth ratio of 7.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.41% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 57.47% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.04% on net income of $463K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.38%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community/Select Employee Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is All Saints financially healthy?
All Saints scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.57% net worth ratio and a 0.41% delinquency rate.
How does All Saints compare to other credit unions?
PlainCU's health composite puts All Saints at 76/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join All Saints?
All Saints operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact All Saints directly for the exact boundaries and application steps.
Is my money safe at All Saints?
Federal credit unions like All Saints are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. All Saints's net worth ratio of 7.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does All Saints offer compared to banks?
Credit unions like All Saints are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact All Saints directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.