Federal credit union · Brook Park, Ohio · NCUA charter #24920
Best Reward
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $164.8M
- Total assets
- 12,447
- Members
- 15.1%
- Net-worth ratio
Best Reward scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $164.8M; members 12,447; net-worth ratio 15.14%; health rank #1,414 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,414 of 4,374 health · 2025Q4Best Reward · health 88/100 · $164.8M · 2025Q4
Call Report peers
Best Reward in the assets neighbourhood
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Best Reward vs every NCUA-scored credit union
Best Reward sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Best Reward
- Largest favorable gap: Net Worth Ratio at 15.14% vs peer 12.11% (+3.03 pp).
- Loan-to-Share Ratio trails the peer set - 24.51% here, 72.20% peer average (-47.69 pp).
Ohio standing for Best Reward
- In Ohio, health place is #65 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #56 of 196 inside Ohio ($164.8M reported).
- Membership ranks #57 of 196 among Ohio CUs with a reported count (12,447 members).
- One place up in Ohio, WIREMEN'S (#64) ties at 88/100; one place down, Day Air (#66) ties at 88/100.
How Best Reward's 5300 filing moved
Best Reward: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $164.8M (2025Q4) to $164.5M (2026Q1).
- Net-worth ratio shifted +0.09 pp (15.05% → 15.14%).
This credit union's 15.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Best Reward gives up 12 points in total. Loan-to-Share Ratio costs the most, 6.8 of its 15; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 14.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.2 pts
Best Reward health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.14% | +3.03 pp |
| Delinquency Rate | 1.01% | +0.12 pp |
| Return on Assets | 0.50% | -0.13 pp |
| Member Growth | 6.63% | - |
| Loan-to-Share Ratio | 24.51% | -47.69 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Best Reward
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $164.5M | - |
| 2025Q4 | $164.8M | 12,447 |
| 2024Q4 | $157.1M | 11,673 |
| 2023Q4 | $164.2M | 12,512 |
Credit Union Details
- Charter Number
- 24920
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Brook Park
- Data Quarter
- 2025Q4
Branch Locations (3)
Best Reward operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Best Reward Federal Credit Union (Main Office) | Brook Park, OH |
| Best Reward Federal Credit Union | Highland Hts, OH |
| Best Reward Federal Credit Union | Walton Hills, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Cross-state Call Report peers for Best Reward
Using this data
- Best Reward ranks #1,414 of 4,374 nationally on financial health and #65 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOPEWELL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOPEWELL
Frequently Asked Questions
Is Best Reward financially healthy?
Best Reward has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,414 of 4,374 nationally on health and #65 of 196 in Ohio. Its net worth ratio is 15.14% and its delinquency rate 1.01%.
How does Best Reward compare to other credit unions?
Best Reward scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.14% vs 12.11%). Its widest shortfall is loan-to-share ratio (24.51% vs 72.20%).
How can I join Best Reward?
Best Reward 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 Best Reward directly for the exact boundaries and application steps.
Is my money safe at Best Reward?
Best Reward is a federal credit union; its shares are federally 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. Best Reward's net worth ratio of 15.14% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.