Federal credit union · Carey, Ohio · NCUA charter #6636
Carey Poverello
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $31.0M
- Total assets
- 1,676
- Members
- 13.1%
- Net-worth ratio
Carey Poverello scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.0M; members 1,676; net-worth ratio 13.11%; health rank #1,793 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,793 of 4,374 health · 2025Q4Carey Poverello · health 86/100 · $31.0M · 2025Q4
- RANK 86/100
- PHOTO 13.1%
- BOOK 0.38%
- CHARTER 0.80%
- NCUSIF $31.0M
- CAMELS 1,676
- HEALTH #1,793/4,374
- NW Kemba Delta
- DELQ 6636
Call Report peers
Carey Poverello in the assets neighbourhood
Carey Poverello's $31.0M assets sit next to Kemba Delta ($31.0M) 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.
Carey Poverello 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
86 Top 43% higher than 57% 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
Carey Poverello - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6636. See our deposit-insurance coverage note.
Where Carey Poverello diverges from peer averages
- Delinquency Rate leads the peer set - 0.38% here, 1.15% peer average (-0.77 pp).
- Loan-to-Share Ratio trails the peer set - 35.81% here, 59.80% peer average (-23.99 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Carey Poverello: in-state Call Report ranks
- In Ohio, health place is #79 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, Carey Poverello is #131 of 196 in Ohio.
- Member book place in Ohio: #155 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.
How Carey Poverello's 5300 filing moved
Carey Poverello: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $31.0M (2025Q4) to $31.6M (2026Q1).
- Net-worth ratio shifted -0.05 pp (13.16% → 13.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 8.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.11% | -1.75 pp |
| Delinquency Rate | 0.38% | -0.77 pp |
| Return on Assets | 0.80% | +0.10 pp |
| Member Growth | -1.00% | - |
| Loan-to-Share Ratio | 35.81% | -23.99 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Carey Poverello filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.6M | - |
| 2025Q4 | $31.0M | 1,676 |
| 2024Q4 | $25.9M | 1,693 |
| 2023Q4 | $25.6M | 1,705 |
Credit Union Details
- Charter Number
- 6636
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Carey
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Carey Poverello.
| Office | City |
|---|---|
| Main (Main Office) | Carey, 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 Carey Poverello
Cross-state asset and health neighbours for Carey Poverello - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Carey Poverello ranks #1,793 of 4,374 nationally on financial health and #79 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cincinnati Interagency is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cincinnati Interagency
- 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 Carey Poverello financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Carey Poverello carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,793 of 4,374; by total assets it ranks #2,824 of 4,374 nationally (same basis as /rankings/largest); and #131 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.11% net worth ratio and a 0.38% delinquency rate.
How does Carey Poverello compare to other credit unions?
PlainCU's health composite puts Carey Poverello at 86/100, compared to a peer group average for $10M–$50M 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 Carey Poverello?
Carey Poverello 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 Carey Poverello directly for the exact boundaries and application steps.
Is my money safe at Carey Poverello?
Federal credit unions like Carey Poverello 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. Carey Poverello's net worth ratio of 13.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Carey Poverello offer compared to banks?
Credit unions like Carey Poverello 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 Carey Poverello 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.