Federal credit union · NEY, Ohio · NCUA charter #5524
Christo Rey
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $3.5M
- Total assets
- 527
- Members
- 9.0%
- Net-worth ratio
Christo Rey - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5524. See our deposit-insurance coverage note.
Christo Rey - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)92
- Asset quality (delinquency)100
- Earnings (ROA)78
- Member growth65
- Liquidity (loan-to-share)68
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.00% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.28% | 15% |
| Member Growth | 0.57% | 15% |
| Loan-to-Share Ratio | 45.88% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Christo Rey
527 members and $3.5M in total assets sit behind Christo Rey, a federal credit union in NEY, Ohio, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $1.4M in outstanding loans as of Q4 2025 and a net worth ratio of 9.00% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #5524 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 45.88% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.28% on net income of $10K 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 0.57%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group 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 Christo Rey financially healthy?
A 9.00% net worth ratio and a 0.00% delinquency rate feed into Christo Rey's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Christo Rey compare to other credit unions?
Christo Rey scores 84/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Christo Rey 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. Christo Rey's net worth ratio of 9.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Christo Rey offer compared to banks?
Credit unions like Christo Rey 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 Christo Rey 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.