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
- PHOTO 78/100
- BOOK 10.2%
- CHARTER 0.86%
- NCUSIF 0.01%
- CAMELS $358.5M
- HEALTH 23,316
- NW #3,008/4,374
- DELQ AFFIDIAN
- ROA 68707
Call Report peers
Cardinal Credit Union, Inc. in the assets neighbourhood
Cardinal Credit Union, Inc.'s $358.5M assets sit next to AFFIDIAN ($358.4M) 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.
Cardinal Credit Union, Inc. 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
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. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68707. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cardinal Credit Union, Inc.: 2025Q4 → 2026Q1
Cardinal Credit Union, Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $358.5M (2025Q4) to $354.3M (2026Q1).
- Net-worth ratio shifted +0.14 pp (10.04% → 10.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
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 - 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.
Cross-state asset and health neighbours for Cardinal Credit Union, Inc. - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($358.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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.
- 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 Cardinal Credit Union, Inc. financially healthy?
A 10.18% net worth ratio and a 0.86% delinquency rate feed into Cardinal Credit Union, Inc.'s financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,008 of 4,374; by total assets it ranks #930 of 4,374 nationally (same basis as /rankings/largest); and #27 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cardinal Credit Union, Inc. compare to other credit unions?
PlainCU's health composite puts Cardinal Credit Union, Inc. at 78/100, compared to a peer group average for $100M–$500M 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 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.?
Federal credit unions like Cardinal Credit Union, Inc. 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. Cardinal Credit Union, Inc.'s net worth ratio of 10.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cardinal Credit Union, Inc. offer compared to banks?
Credit unions like Cardinal Credit Union, Inc. 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 Cardinal Credit Union, Inc. 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.