State credit union · Toledo, Ohio · NCUA charter #63100
CHAMPION
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $72.5M
- Total assets
- 5,494
- Members
- 11.5%
- Net-worth ratio
CHAMPION scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.5M; members 5,494; net-worth ratio 11.46%; health rank #2,985 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,985 of 4,374 health · 2025Q4CHAMPION · health 78/100 · $72.5M · 2025Q4
- RANK 78/100
- PHOTO 11.5%
- BOOK 0.60%
- CHARTER 0.26%
- NCUSIF $72.5M
- CAMELS 5,494
- HEALTH #2,985/4,374
- NW Bethlehem 1st
- DELQ 63100
Call Report peers
CHAMPION in the assets neighbourhood
CHAMPION's $72.5M assets sit next to Bethlehem 1st ($72.5M) 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.
CHAMPION 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
CHAMPION - Share Insurance Coverage
Charter #63100's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where CHAMPION diverges from peer averages
- Delinquency Rate leads the peer set - 0.60% here, 0.96% peer average (-0.36 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.81 pp (38.79% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CHAMPION in Ohio
- Health composite ranks #139 of 196 among scored Ohio credit unions.
- By total assets, CHAMPION is #90 of 196 in Ohio.
- Ohio membership ordinal: #94 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.
CHAMPION Call Report trajectory
CHAMPION: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $72.5M (2025Q4) to $74.1M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.41% → 11.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 24.0 pts
- Return on Assets 11.4 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -2.16 pp |
| Delinquency Rate | 0.60% | -0.36 pp |
| Return on Assets | 0.26% | -0.40 pp |
| Member Growth | -3.10% | - |
| Loan-to-Share Ratio | 38.79% | -23.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $74.1M | - |
| 2025Q4 | $72.5M | 5,494 |
| 2024Q4 | $70.5M | 5,670 |
| 2023Q4 | $70.8M | 5,851 |
Credit Union Details
- Charter Number
- 63100
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Toledo
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, CHAMPION runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Toledo, OH |
| Sylvania Ohio Branch | Sylvania, OH |
| South Toledo Branch | Toledo, 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.
Other-state peers near CHAMPION
Cross-state asset and health neighbours for CHAMPION - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- CHAMPION ranks #2,985 of 4,374 nationally on financial health and #139 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LAN-FAIR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LAN-FAIR
- 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 CHAMPION financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - CHAMPION's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,985 of 4,374; by total assets it ranks #2,108 of 4,374 nationally (same basis as /rankings/largest); and #90 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.46% net worth ratio and 0.60% delinquency rate are the key drivers.
How does CHAMPION compare to other credit unions?
78/100 is CHAMPION's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 CHAMPION?
Membership eligibility for CHAMPION depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CHAMPION directly for current membership requirements and application steps.
Is my money safe at CHAMPION?
Federal credit unions like CHAMPION 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. CHAMPION's net worth ratio of 11.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CHAMPION offer compared to banks?
Credit unions like CHAMPION 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 CHAMPION 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.