Federal credit union · Parma, Ohio · NCUA charter #24516
Cleveland Selfreliance
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $105.2M
- Total assets
- 3,218
- Members
- 13.4%
- Net-worth ratio
Cleveland Selfreliance - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24516: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Cleveland Selfreliance - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth25
- Liquidity (loan-to-share)59
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.39% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.85% | 15% |
| Member Growth | -2.90% | 15% |
| Loan-to-Share Ratio | 31.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $105.2M | 3,218 |
| 2024Q4 | $101.5M | 3,314 |
| 2023Q4 | $101.3M | 3,353 |
Credit Union Details
- Charter Number
- 24516
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Parma
- Data Quarter
- 2025Q4
What This Data Says About Cleveland Selfreliance
Charter #24516, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Cleveland Selfreliance, a federal credit union in Parma, Ohio with 3,218 members, $105.2M in total assets, and $26.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 83/100 (Excellent), helped by a net worth ratio of 13.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 31.04% 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 $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.85% on net income of $894K 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 -2.90%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
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 Selfreliance financially healthy?
Cleveland Selfreliance scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.39% net worth ratio and a 0.00% delinquency rate.
How does Cleveland Selfreliance compare to other credit unions?
PlainCU's health composite puts Cleveland Selfreliance at 83/100, compared to a peer group average for $100M–$500M 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 Selfreliance?
Cleveland Selfreliance serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Cleveland Selfreliance directly for the current list of qualifying groups.
Is my money safe at Cleveland Selfreliance?
Federal credit unions like Cleveland Selfreliance 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 Selfreliance's net worth ratio of 13.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cleveland Selfreliance offer compared to banks?
Credit unions like Cleveland Selfreliance 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 Selfreliance 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.