Federal credit union · CLEVELAND, Ohio · NCUA charter #96706
Faith Community United
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $13.9M
- Total assets
- 4,112
- Members
- 27.9%
- Net-worth ratio
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 - 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)0
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)91
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
27.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 27.86% | 30% |
| Delinquency Rate | 4.70% | 25% |
| Return on Assets | 1.23% | 15% |
| Member Growth | -15.43% | 15% |
| Loan-to-Share Ratio | 63.98% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Faith Community United
Charter #96706, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Faith Community United, a federal credit union in CLEVELAND, Ohio with 4,112 members, $13.9M in total assets, and $6.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 59/100 (Fair), helped by a net worth ratio of 27.86% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 4.70% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 63.98% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.23% on net income of $171K 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 -15.43%. 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
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
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 Faith Community United financially healthy?
Faith Community United scores 59/100 (Fair) 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 27.86% 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 27.86% 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.
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.