Federal credit union · CLEVELAND, Ohio · NCUA charter #22151

Cleveland Church of Christ

Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

60
Health / 100
$362K
Total assets
363
Members
12.3%
Net-worth ratio

Cleveland Church of Christ - Share Insurance Coverage

Charter #22151'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.

NCUSIF coverage gauge for Cleveland Church of Christ Share insurance under NCUSIF covers up to $250,000 per share owner. Cleveland Church of Christ holds approximately $320K in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 12.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 12.3% · $320K member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Cleveland Church of Christ - 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) 12.32% 30% weight
  • Asset quality (delinquency) 1.38% 25% weight
  • Earnings (ROA) 0.02% 15% weight
  • Member growth -8.79% 15% weight
  • Liquidity (loan-to-share) 18% 15% weight

Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 82.1%

This credit union's 12.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$362K
Total Assets
363
Members
$58K
Total Loans
$320K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 12.32% 30%
Delinquency Rate 1.38% 25%
Return on Assets 0.02% 15%
Member Growth -8.79% 15%
Loan-to-Share Ratio 18.22% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $362K 363
2024Q4 $419K 398
2023Q4 $370K 386

Credit Union Details

Charter Number
22151
Type
Federal
Field of Membership
Community
Peer Group
Under $2M
State
Ohio
City
CLEVELAND
Data Quarter
2025Q4

What This Data Says About Cleveland Church of Christ

The five-factor composite scores Cleveland Church of Christ at 60/100 (Good), reflecting a net worth ratio of 12.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in CLEVELAND, Ohio, reports 363 members, $362K in total assets, and $58K in outstanding loans as of Q4 2025 under charter #22151 (peer group Under $2M, a cohort of 243 similarly-sized institutions).

On loan book quality: 1.38% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 18.22% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.02% on net income of $55 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 -8.79%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.

Nearby Credit Unions in Ohio

Other federally-insured credit unions in Ohio, closest first by peer group and asset size.

Compare Cleveland Church of Christ vs WRIGHT-DUNBAR AREA

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 Cleveland Church of Christ financially healthy?

Based on NCUA 5300 Call Report data as of Q4 2025, Cleveland Church of Christ carries a financial health score of 60/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.32% net worth ratio and a 1.38% delinquency rate.

How does Cleveland Church of Christ compare to other credit unions?

PlainCU's health composite puts Cleveland Church of Christ at 60/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Cleveland Church of Christ?

Cleveland Church of Christ 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 Cleveland Church of Christ directly for the exact boundaries and application steps.

Is my money safe at Cleveland Church of Christ?

Federal credit unions like Cleveland Church of Christ 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. Cleveland Church of Christ's net worth ratio of 12.32% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Cleveland Church of Christ offer compared to banks?

Credit unions like Cleveland Church of Christ 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 Cleveland Church of Christ 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.