Health Score
63/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
GORMAN-RUPP & ASSOCIATES
Health Score
63/100
Total Assets
$16.6M
Members
1,425
Mansfield, Ohio
2026 data Public-data reference. official source
GORMAN-RUPP & ASSOCIATES
Open-data reference.
63
Health Score
Good
Charter #
96719
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
GORMAN-RUPP & ASSOCIATES — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
GORMAN-RUPP & ASSOCIATES — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 45.1%
At 6.77%, this institution is below the 7.0% NCUA well-capitalized threshold.
$16.6M
Total Assets
1,425
Members
$9.7M
Total Loans
$15.0M
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.77% | 30% |
| Delinquency Rate | 0.14% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -4.17% | 15% |
| Loan-to-Share Ratio | 64.54% | 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 | $16.6M | 1,425 |
| 2024Q4 | $14.7M | 1,487 |
| 2023Q4 | $14.2M | 1,509 |
Credit Union Details
- Charter Number
- 96719
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Mansfield
- Data Quarter
- 2025Q4
What This Data Says About GORMAN-RUPP & ASSOCIATES
GORMAN-RUPP & ASSOCIATES is a federal credit union headquartered in Mansfield, Ohio, serving 1,425 members with $16.6M in total assets and $9.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 63/100 (Good), anchored by a net worth ratio of 6.77% — relative to the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #96719 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 0.14% measures loans 60+ days past due against total loans outstanding — the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 64.54% indicates how aggressively member deposits are being deployed into lending — within the 60–80% range most industry analysts consider optimally balanced between yield and liquidity.
Every deposit account at GORMAN-RUPP & ASSOCIATES is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -4.17%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with GORMAN-RUPP & ASSOCIATES before opening any account or borrowing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
- NORTH COAST CREDIT UNIONFAIRVIEW PARK, OH · $10M–$50M65Health
- LOCAL UNION 392Cincinnati, OH · $10M–$50M73Health
- HOLY FAMILY PARMAParma, OH · $10M–$50M38Health
- OHIO TEAMSTERSINDEPENDENCE, OH · $10M–$50M73Health
- NORTHWESTERNBryan, OH · $10M–$50M75Health
Compare GORMAN-RUPP & ASSOCIATES vs NORTH COAST CREDIT UNION
Learn More About Credit Unions
📊 ⚖️ 🛡️ 🏦
Understanding Health Scores
How we calculate the 0–100 composite from NCUA data
Credit Union vs Bank
Compare rates, fees, services, and insurance coverage
Are Credit Unions Safe?
NCUSIF insurance explained — $250K per depositor
How to Join a Credit Union
Eligibility, field of membership, and application steps
Related Financial Data
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 GORMAN-RUPP & ASSOCIATES financially healthy?
GORMAN-RUPP & ASSOCIATES has a financial health score of 63/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.77% and delinquency rate of 0.14%.
How does GORMAN-RUPP & ASSOCIATES compare to other credit unions?
GORMAN-RUPP & ASSOCIATES scores 63/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 GORMAN-RUPP & ASSOCIATES?
Membership eligibility for GORMAN-RUPP & ASSOCIATES depends on its field of membership — currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GORMAN-RUPP & ASSOCIATES directly for current membership requirements and application steps.
Is my money safe at GORMAN-RUPP & ASSOCIATES?
Federal credit unions like GORMAN-RUPP & ASSOCIATES 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. GORMAN-RUPP & ASSOCIATES's net worth ratio of 6.77% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does GORMAN-RUPP & ASSOCIATES offer compared to banks?
Credit unions like GORMAN-RUPP & ASSOCIATES 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 GORMAN-RUPP & ASSOCIATES 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.