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
Call Report peers
GEAUGA in the assets neighbourhood
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GEAUGA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GEAUGA sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, Community First (#146) ties at 77/100; one place down, Unity Catholic (#148) ties at 77/100.
GEAUGA Call Report trajectory
GEAUGA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $107.9M (2025Q4) to $107.6M (2026Q1).
- Net-worth ratio shifted +0.53 pp (9.47% → 10.00%).
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
GEAUGA gives up 23 points in total. Delinquency Rate costs the most, 21.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is GEAUGA financially healthy?
On its 2025Q4 NCUA 5300 filing, GEAUGA scores 77/100 (Very Good), with a 10.00% net worth ratio and 3.51% of loans delinquent. It ranks #3,118 of 4,374 nationally on health and #147 of 196 in Ohio.
How does GEAUGA compare to other credit unions?
GEAUGA scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.88% vs 72.20%). Its widest shortfall is delinquency rate (3.51% vs 0.89%).
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?
GEAUGA is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.