Federal credit union · Cleveland, Ohio · NCUA charter #96660
Antioch
Health score 52/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $2.7M
- Total assets
- 713
- Members
- 25.1%
- Net-worth ratio
Antioch - Share Insurance Coverage
Charter #96660'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.
Antioch - 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)100
- Asset quality (delinquency)0
- Earnings (ROA)75
- Member growth21
- Liquidity (loan-to-share)51
Weighted composite: 52/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 25.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.09% | 30% |
| Delinquency Rate | 6.64% | 25% |
| Return on Assets | 0.25% | 15% |
| Member Growth | -3.26% | 15% |
| Loan-to-Share Ratio | 19.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.7M | 713 |
| 2024Q4 | $3.1M | 737 |
| 2023Q4 | $3.3M | 738 |
Credit Union Details
- Charter Number
- 96660
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Cleveland
- Data Quarter
- 2025Q4
What This Data Says About Antioch
713 members and $2.7M in total assets sit behind Antioch, a federal credit union in Cleveland, Ohio, which posts a health score of 52/100 (Fair) on the five-factor composite, with $343K in outstanding loans as of Q4 2025 and a net worth ratio of 25.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #96660 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 6.64% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 19.02% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.25% on net income of $7K 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 -3.26%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
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 Antioch financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Antioch carries a financial health score of 52/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 25.09% net worth ratio and a 6.64% delinquency rate.
How does Antioch compare to other credit unions?
Five weighted metrics from NCUA filings produce Antioch's 52/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Antioch?
Membership eligibility for Antioch depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Antioch directly for current membership requirements and application steps.
Is my money safe at Antioch?
Federal credit unions like Antioch 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. Antioch's net worth ratio of 25.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Antioch offer compared to banks?
Credit unions like Antioch 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 Antioch 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.