Federal credit union · OAK HARBOR, Ohio · NCUA charter #21873
Commodore Perry
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $101.1M
- Total assets
- 5,912
- Members
- 10.2%
- Net-worth ratio
Commodore Perry scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $101.1M; members 5,912; net-worth ratio 10.24%; health rank #2,766 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,766 of 4,374 health · 2025Q4Commodore Perry · health 80/100 · $101.1M · 2025Q4
- RANK 80/100
- PHOTO 10.2%
- BOOK 1.06%
- CHARTER 0.57%
- NCUSIF $101.1M
- CAMELS 5,912
- HEALTH #2,766/4,374
- NW COMPASS
- DELQ 21873
Call Report peers
Commodore Perry in the assets neighbourhood
Commodore Perry's $101.1M assets sit next to COMPASS ($101.1M) 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.
Commodore Perry 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
80 36th percentile higher than 36% 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
Commodore Perry - Share Insurance Coverage
Charter #21873'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.
Commodore Perry: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +11.32 pp (83.52% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.87 pp (10.24% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Commodore Perry in Ohio
- Ohio health ordinal: #127 of 196.
- Ohio assets place: #78 of 196.
- Ohio membership ordinal: #89 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.
Commodore Perry: 2025Q4 → 2026Q1
Commodore Perry: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $101.1M (2025Q4) to $103.0M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.27% → 10.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Commodore Perry vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.24% | -1.87 pp |
| Delinquency Rate | 1.06% | +0.16 pp |
| Return on Assets | 0.57% | -0.06 pp |
| Member Growth | -6.20% | - |
| Loan-to-Share Ratio | 83.52% | +11.32 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $103.0M | - |
| 2025Q4 | $101.1M | 5,912 |
| 2024Q4 | $94.5M | 6,303 |
| 2023Q4 | $87.0M | 6,608 |
Credit Union Details
- Charter Number
- 21873
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- OAK HARBOR
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Commodore Perry runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| COMMODORE PERRY FEDERAL CREDIT UNION (Main Office) | OAK HARBOR, OH |
| COMMODORE PERRY FEDERAL CREDIT UNION | ELMORE, OH |
| COMMODORE PERRY FEDERAL CREDIT UNION | PORT CLINTON, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near Commodore Perry
Two NCUA Call Report peer sets for Commodore Perry, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($101.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Commodore Perry ranks #2,766 of 4,374 nationally on financial health and #127 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community Star is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community Star
- 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 Commodore Perry financially healthy?
A 10.24% net worth ratio and a 1.06% delinquency rate feed into Commodore Perry's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,766 of 4,374; by total assets it ranks #1,810 of 4,374 nationally (same basis as /rankings/largest); and #78 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Commodore Perry compare to other credit unions?
Five weighted metrics from NCUA filings produce Commodore Perry's 80/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Commodore Perry?
Commodore Perry 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 Commodore Perry directly for the exact boundaries and application steps.
Is my money safe at Commodore Perry?
Federal credit unions like Commodore Perry 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. Commodore Perry's net worth ratio of 10.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Commodore Perry offer compared to banks?
Credit unions like Commodore Perry 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 Commodore Perry 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.