State credit union · Mentor, Ohio · NCUA charter #68707
Cardinal Credit Union, Inc.
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $358.5M
- Total assets
- 23,316
- Members
- 10.2%
- Net-worth ratio
Cardinal Credit Union, Inc. scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $358.5M; members 23,316; net-worth ratio 10.18%; health rank #3,008 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,008 of 4,374 health · 2025Q4Cardinal Credit Union, Inc. · health 78/100 · $358.5M · 2025Q4
Call Report peers
Cardinal Credit Union, Inc. in the assets neighbourhood
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Cardinal Credit Union, Inc. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cardinal Credit Union, Inc. sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
Cardinal Credit Union, Inc. vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 84.20% vs peer 72.20% (+12.00 pp).
- Net Worth Ratio trails the peer set - 10.18% here, 12.11% peer average (-1.93 pp).
Where Cardinal Credit Union, Inc. sits in Ohio
- In Ohio, health place is #142 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, Cardinal Credit Union, Inc. is #27 of 196 in Ohio.
- Ohio membership ordinal: #31 of 196.
- One place up in Ohio, Cincinnati Employees (#141) ties at 78/100; one place down, BSE (#143) ties at 78/100.
Cardinal Credit Union, Inc.: 2025Q4 → 2026Q1
Cardinal Credit Union, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $358.5M (2025Q4) to $354.3M (2026Q1).
- Net-worth ratio shifted +0.14 pp (10.04% → 10.18%).
At 10.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Cardinal Credit Union, Inc. gives up 22 points in total. Return on Assets costs the most, 10.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 4.8 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 15.1 pts
Cardinal Credit Union, Inc. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.18% | -1.93 pp |
| Delinquency Rate | 0.86% | -0.04 pp |
| Return on Assets | 0.01% | -0.62 pp |
| Member Growth | -1.28% | - |
| Loan-to-Share Ratio | 84.20% | +12.00 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Cardinal Credit Union, Inc.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $354.3M | - |
| 2025Q4 | $358.5M | 23,316 |
| 2024Q4 | $313.3M | 23,619 |
| 2023Q4 | $289.9M | 23,248 |
Credit Union Details
- Charter Number
- 68707
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Mentor
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Cardinal Credit Union, Inc. runs 12 offices in 8 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Mentor, OH |
| Ashtabula Branch | Ashtabula, OH |
| Canfield Branch | Canfield, OH |
| Notre Dame Cathedral Latin High School | Chardon, OH |
| Mayfield Branch | Cleveland, OH |
| Eastlake North High School | Eastlake, OH |
| Lakeland Community College | Kirtland, OH |
| Lake Catholic High School | Mentor, OH |
| Mentor High School | Mentor, OH |
| Mentor Ave | Mentor, OH |
| Willoughby Branch | Willoughby, OH |
| Willoughby South High School | Willoughby, 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.
- IH CREDIT UNION, INC.SPRINGFIELD, OH · $100M–$500M70Health
- FIREFIGHTERS COMMUNITY CUCleveland, OH · $100M–$500M83Health
- PSE CREDIT UNION, INC.Parma, OH · $100M–$500M86Health
- FREMONTFremont, OH · $100M–$500M98Health
- MYUSAMiddletown, OH · $100M–$500M83Health
Compare Cardinal Credit Union, Inc. vs IH CREDIT UNION, INC.
Other-state peers near Cardinal Credit Union, Inc.
Using this data
- Cardinal Credit Union, Inc. ranks #3,008 of 4,374 nationally on financial health and #142 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ih Credit Union, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ih Credit Union, Inc.
Frequently Asked Questions
Is Cardinal Credit Union, Inc. financially healthy?
Cardinal Credit Union, Inc. has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,008 of 4,374 nationally on health and #142 of 196 in Ohio. Its net worth ratio is 10.18% and its delinquency rate 0.86%.
How does Cardinal Credit Union, Inc. compare to other credit unions?
Cardinal Credit Union, Inc. scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.20% vs 72.20%). Its widest shortfall is net worth ratio (10.18% vs 12.11%).
How can I join Cardinal Credit Union, Inc.?
Membership eligibility for Cardinal Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cardinal Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Cardinal Credit Union, Inc.?
Cardinal Credit Union, Inc. is a state-chartered 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. Cardinal Credit Union, Inc.'s net worth ratio of 10.18% 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.