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
Call Report peers
CHAMPION in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); CHAMPION 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Ohio, HOMELAND (#138) ties at 78/100; one place down, S and J School Employees (#140) ties at 78/100.
CHAMPION Call Report trajectory
CHAMPION: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $72.5M (2025Q4) to $74.1M (2026Q1).
- Net-worth ratio shifted +0.05 pp (11.41% → 11.46%).
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
CHAMPION gives up 22 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is CHAMPION financially healthy?
CHAMPION has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,985 of 4,374 nationally on health and #139 of 196 in Ohio. Its net worth ratio is 11.46% and its delinquency rate 0.60%.
How does CHAMPION compare to other credit unions?
CHAMPION scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.60% vs 0.96%). Its widest shortfall is loan-to-share ratio (38.79% vs 62.60%).
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?
CHAMPION 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. CHAMPION's net worth ratio of 11.46% 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.