Federal credit union · CLEVELAND, Ohio · NCUA charter #96706
Faith Community United
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $13.9M
- Total assets
- 4,112
- Members
- 29.3%
- Net-worth ratio
Faith Community United scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.9M; members 4,112; net-worth ratio 29.26%; health rank #4,081 of 4,374; healthier than 6th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,081 of 4,374 health · 2025Q4Faith Community United · health 59/100 · $13.9M · 2025Q4
- ASSETS 59/100
- MEM 29.3%
- RANK 4.70%
- PHOTO 1.23%
- BOOK $13.9M
- CHARTER 4,112
- NCUSIF #4,081/4,374
- CAMELS INTEGRIS
- HEALTH 96706
Call Report peers
Faith Community United in the assets neighbourhood
Faith Community United's $13.9M assets sit next to INTEGRIS ($13.9M) 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.
Faith Community United 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
59 6th percentile higher than 6% 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
Faith Community United - Share Insurance Coverage
Charter #96706'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.
Faith Community United vs $10M–$50M peers
- Net Worth Ratio leads the peer set - 29.26% here, 14.86% peer average (+14.40 pp).
- Widest shortfall vs peers is Delinquency Rate: +3.55 pp (4.70% vs 1.15%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Faith Community United in Ohio
- In Ohio, health place is #179 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, Faith Community United is #157 of 196 in Ohio.
- Membership ranks #106 of 196 among Ohio CUs with a reported count (4,112 members).
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 Faith Community United
Faith Community United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $13.9M (2025Q4) to $14.2M (2026Q1).
- Net-worth ratio shifted -0.64 pp (29.90% → 29.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
29.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 59/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for Faith Community United
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.26% | +14.40 pp |
| Delinquency Rate | 4.70% | +3.55 pp |
| Return on Assets | 1.23% | +0.53 pp |
| Member Growth | -15.43% | - |
| Loan-to-Share Ratio | 63.98% | +4.18 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Faith Community United filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.2M | - |
| 2025Q4 | $13.9M | 4,112 |
| 2024Q4 | $14.6M | 4,862 |
| 2023Q4 | $15.6M | 4,503 |
Credit Union Details
- Charter Number
- 96706
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- CLEVELAND
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Faith Community United runs 2 offices.
| Office | City |
|---|---|
| faith community united credit union (Main Office) | cleveland, OH |
| iron mountain | cleveland, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Faith Community United - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
Using this data
- Faith Community United ranks #4,081 of 4,374 nationally on financial health and #179 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WES
- 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 Faith Community United financially healthy?
Faith Community United scores 59/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,081 of 4,374; by total assets it ranks #3,367 of 4,374 nationally (same basis as /rankings/largest); and #157 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 29.26% net worth ratio and a 4.70% delinquency rate.
How does Faith Community United compare to other credit unions?
Five weighted metrics from NCUA filings produce Faith Community United's 59/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Faith Community United?
Membership eligibility for Faith Community United depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Faith Community United directly for current membership requirements and application steps.
Is my money safe at Faith Community United?
Federal credit unions like Faith Community United 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. Faith Community United's net worth ratio of 29.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Faith Community United offer compared to banks?
Credit unions like Faith Community United 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 Faith Community United 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.