Federal credit union · COLUMBUS, Ohio · NCUA charter #294
CME
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $476.2M
- Total assets
- 38,836
- Members
- 8.3%
- Net-worth ratio
CME scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $476.2M; members 38,836; net-worth ratio 8.34%; health rank #2,354 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,354 of 4,374 health · 2025Q4CME · health 83/100 · $476.2M · 2025Q4
- ROA 83/100
- ASSETS 8.3%
- MEM 0.80%
- RANK 0.22%
- PHOTO $476.2M
- BOOK 38,836
- CHARTER #2,354/4,374
- NCUSIF Midsouth Community
- CAMELS 294
Call Report peers
CME in the assets neighbourhood
CME's $476.2M assets sit next to Midsouth Community ($475.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CME vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% 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
CME - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #294 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where CME diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 83.92% here, 72.20% peer average (+11.72 pp).
- Largest lag: Net Worth Ratio at 8.34% vs peer 12.11% (-3.77 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CME in Ohio
- In Ohio, health place is #103 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, CME is #22 of 196 in Ohio.
- Member book place in Ohio: #16 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CME
CME: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $476.2M (2025Q4) to $485.8M (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.34% → 8.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 22.0 pts
- Return on Assets 10.8 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 14.6 pts
CME health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.34% | -3.77 pp |
| Delinquency Rate | 0.80% | -0.10 pp |
| Return on Assets | 0.22% | -0.40 pp |
| Member Growth | 0.65% | - |
| Loan-to-Share Ratio | 83.92% | +11.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
CME filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $485.8M | - |
| 2025Q4 | $476.2M | 38,836 |
| 2024Q4 | $465.9M | 38,585 |
| 2023Q4 | $447.7M | 38,967 |
Credit Union Details
- Charter Number
- 294
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- COLUMBUS
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for CME, spread across 4 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Columbus, OH |
| Clintonville Branch | Columbus, OH |
| Downtown Office/Branch | Columbus, OH |
| Delaware Branch | Delaware, OH |
| Pickerington Branch | Pickerington, OH |
| Westerville Branch | Westerville, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
CME nationwide neighbourhoods
Cross-state asset and health neighbours for CME - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($476.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- CME ranks #2,354 of 4,374 nationally on financial health and #103 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CENTURY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENTURY
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CME financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, CME carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,354 of 4,374; by total assets it ranks #775 of 4,374 nationally (same basis as /rankings/largest); and #22 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.34% net worth ratio and a 0.80% delinquency rate.
How does CME compare to other credit unions?
PlainCU's health composite puts CME 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 CME?
CME 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 CME directly for the exact boundaries and application steps.
Is my money safe at CME?
Federal credit unions like CME 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. CME's net worth ratio of 8.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CME offer compared to banks?
Credit unions like CME 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 CME directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.