State credit union · North Canton, Ohio · NCUA charter #62628
Community One Credit Union of Ohio
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $129.3M
- Total assets
- 8,268
- Members
- 7.2%
- Net-worth ratio
Community One Credit Union of Ohio - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62628: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Community One Credit Union of Ohio - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)77
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth50
- Liquidity (loan-to-share)97
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.21% 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 | 7.21% | 30% |
| Delinquency Rate | 0.82% | 25% |
| Return on Assets | 1.21% | 15% |
| Member Growth | -0.80% | 15% |
| Loan-to-Share Ratio | 67.72% | 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 | $129.3M | 8,268 |
| 2024Q4 | $121.8M | 8,335 |
| 2023Q4 | $120.0M | 8,564 |
Credit Union Details
- Charter Number
- 62628
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- North Canton
- Data Quarter
- 2025Q4
What This Data Says About Community One Credit Union of Ohio
Headquartered in North Canton, Ohio, Community One Credit Union of Ohio is a state credit union with 8,268 members, $129.3M in total assets, and $77.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 82/100 (Excellent), driven in part by a net worth ratio of 7.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62628 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.82% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 67.72% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.21% on net income of $1.6M 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 -0.80%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); 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.
- FIREFIGHTERS & COMPANYDAYTON, OH · $100M–$500M76Health
- GREATER CINCINNATI SCHOOLCincinnati, OH · $100M–$500M75Health
- PILLARMARION, OH · $100M–$500M91Health
- DAY-METDayton, OH · $100M–$500M81Health
- HANCOCKFindlay, OH · $100M–$500M84Health
Compare Community One Credit Union of Ohio vs FIREFIGHTERS & COMPANY
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 Community One Credit Union of Ohio financially healthy?
A 7.21% net worth ratio and a 0.82% delinquency rate feed into Community One Credit Union of Ohio's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Community One Credit Union of Ohio compare to other credit unions?
On PlainCU's health composite, Community One Credit Union of Ohio lands at 82/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Community One Credit Union of Ohio?
Membership eligibility for Community One Credit Union of Ohio depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community One Credit Union of Ohio directly for current membership requirements and application steps.
Is my money safe at Community One Credit Union of Ohio?
Federal credit unions like Community One Credit Union of Ohio 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. Community One Credit Union of Ohio's net worth ratio of 7.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community One Credit Union of Ohio offer compared to banks?
Credit unions like Community One Credit Union of Ohio 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 Community One Credit Union of Ohio 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.