State credit union · Toledo, Ohio · NCUA charter #63100
Champion
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $72.5M
- Total assets
- 5,494
- Members
- 10.3%
- Net-worth ratio
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.
Champion - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)96
- Earnings (ROA)76
- Member growth23
- Liquidity (loan-to-share)63
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.26% | 30% |
| Delinquency Rate | 0.60% | 25% |
| Return on Assets | 0.26% | 15% |
| Member Growth | -3.10% | 15% |
| Loan-to-Share Ratio | 38.79% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Champion
The five-factor composite scores Champion at 78/100 (Very Good), reflecting a net worth ratio of 10.26% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Toledo, Ohio, reports 5,494 members, $72.5M in total assets, and $24.8M in outstanding loans as of Q4 2025 under charter #63100 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
0.60% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 38.79% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.26% on net income of $189K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.10%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.26% 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 10.26% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.