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
- HEALTH 88/100
- NW 15.1%
- DELQ 1.01%
- ROA 0.50%
- ASSETS $164.8M
- MEM 12,447
- RANK #1,414/4,374
- PHOTO Community Service
- BOOK 24920
Call Report peers
Best Reward in the assets neighbourhood
Best Reward's $164.8M assets sit next to Community Service ($164.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Best Reward vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Best Reward - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24920. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Best Reward's 5300 filing moved
Best Reward: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $164.8M (2025Q4) to $164.5M (2026Q1).
- Net-worth ratio shifted +0.09 pp (15.05% → 15.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Best Reward's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($164.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Best Reward financially healthy?
Best Reward scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,414 of 4,374; by total assets it ranks #1,420 of 4,374 nationally (same basis as /rankings/largest); and #56 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.14% net worth ratio and a 1.01% delinquency rate.
How does Best Reward compare to other credit unions?
Best Reward scores 88/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Best Reward 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. Best Reward's net worth ratio of 15.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Best Reward offer compared to banks?
Credit unions like Best Reward 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 Best Reward directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.