State credit union · burton, Ohio · NCUA charter #61220
GEAUGA
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $107.9M
- Total assets
- 6,960
- Members
- 10.0%
- Net-worth ratio
GEAUGA scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $107.9M; members 6,960; net-worth ratio 10.00%; health rank #3,118 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,118 of 4,374 health · 2025Q4GEAUGA · health 77/100 · $107.9M · 2025Q4
- RANK 77/100
- PHOTO 10.0%
- BOOK 3.51%
- CHARTER 0.99%
- NCUSIF $107.9M
- CAMELS 6,960
- HEALTH #3,118/4,374
- NW RANCHO
- DELQ 61220
Call Report peers
GEAUGA in the assets neighbourhood
GEAUGA's $107.9M assets sit next to RANCHO ($107.9M) 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.
GEAUGA 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
77 28th percentile higher than 28% 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
GEAUGA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61220 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
GEAUGA: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 74.88% here, 72.20% peer average (+2.68 pp).
- Delinquency Rate trails the peer set - 3.51% here, 0.89% peer average (+2.61 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where GEAUGA sits in Ohio
- Ohio health ordinal: #147 of 196.
- By total assets, GEAUGA is #72 of 196 in Ohio.
- Member book place in Ohio: #81 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.
GEAUGA Call Report trajectory
GEAUGA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $107.9M (2025Q4) to $107.6M (2026Q1).
- Net-worth ratio shifted +0.53 pp (9.47% → 10.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.00% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.1 pts
- Return on Assets 15.0 pts
- Member Growth 14.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for GEAUGA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.00% | -2.11 pp |
| Delinquency Rate | 3.51% | +2.61 pp |
| Return on Assets | 0.99% | +0.36 pp |
| Member Growth | 4.14% | - |
| Loan-to-Share Ratio | 74.88% | +2.68 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).
GEAUGA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.6M | - |
| 2025Q4 | $107.9M | 6,960 |
| 2024Q4 | $91.0M | 6,683 |
| 2023Q4 | $68.3M | 6,455 |
Credit Union Details
- Charter Number
- 61220
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- burton
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, GEAUGA runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Geauga Credit Union Inc (Main Office) | burton, OH |
| Geauga Credit Union Inc Middlefield Branch | Middlefield, 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.
Other-state peers near GEAUGA
Cross-state asset and health neighbours for GEAUGA - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($107.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- GEAUGA ranks #3,118 of 4,374 nationally on financial health and #147 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Friends and Family Credit Union Inc is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Friends and Family Credit Union Inc
- 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 GEAUGA financially healthy?
GEAUGA has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,118 of 4,374; by total assets it ranks #1,762 of 4,374 nationally (same basis as /rankings/largest); and #72 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.00% and delinquency rate of 3.51%.
How does GEAUGA compare to other credit unions?
PlainCU's health composite puts GEAUGA at 77/100, 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 GEAUGA?
Membership eligibility for GEAUGA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GEAUGA directly for current membership requirements and application steps.
Is my money safe at GEAUGA?
Federal credit unions like GEAUGA 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. GEAUGA's net worth ratio of 10.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GEAUGA offer compared to banks?
Credit unions like GEAUGA 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 GEAUGA 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.