Federal credit union · NEY, Ohio · NCUA charter #5524
Christo Rey
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $3.5M
- Total assets
- 527
- Members
- 9.0%
- Net-worth ratio
Christo Rey scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.5M; members 527; net-worth ratio 9.00%; health rank #2,181 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,181 of 4,374 health · 2025Q4Christo Rey · health 84/100 · $3.5M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Christo Rey vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Christo Rey sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
Where Christo Rey diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.72 pp (45.88% vs 63.60%).
Where Christo Rey sits in Ohio
- Health composite ranks #95 of 196 among scored Ohio credit unions.
- Assets rank #183 of 196 inside Ohio ($3.5M reported).
- Membership ranks #184 of 196 among Ohio CUs with a reported count (527 members).
- One place up in Ohio, ACHIEVE (#94) ties at 84/100; one place down, HANCOCK (#96) ties at 84/100.
Christo Rey Call Report trajectory
Christo Rey: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $3.5M (2025Q4) to $3.6M (2026Q1).
- Net-worth ratio shifted +0.00 pp (9.00% → 9.00%).
This credit union's 9.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Christo Rey gives up 16 points in total. Member Growth costs the most, 5.3 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.8 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.00% | -10.06 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.28% | -0.17 pp |
| Member Growth | 0.57% | - |
| Loan-to-Share Ratio | 45.88% | -17.72 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.6M | - |
| 2025Q4 | $3.5M | 527 |
| 2024Q4 | $3.0M | 524 |
| 2023Q4 | $2.7M | 518 |
Credit Union Details
- Charter Number
- 5524
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- NEY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Christo Rey runs one office.
| Office | City |
|---|---|
| Managers Home (Main Office) | Ney, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Christo Rey
Similar health score
Using this data
- Christo Rey ranks #2,181 of 4,374 nationally on financial health and #95 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U.P.S. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U.P.S.
Frequently Asked Questions
Is Christo Rey financially healthy?
Christo Rey has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,181 of 4,374 nationally on health and #95 of 196 in Ohio. Its net worth ratio is 9.00% and its delinquency rate 0.00%.
How does Christo Rey compare to other credit unions?
Christo Rey scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (45.88% vs 63.60%).
How can I join Christo Rey?
Christo Rey 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 Christo Rey directly for the exact boundaries and application steps.
Is my money safe at Christo Rey?
Christo Rey is a federal 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. Christo Rey's net worth ratio of 9.00% 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.