State credit union · Cleveland, Ohio · NCUA charter #66860
Greater Cleveland Community
Health score 56/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $9.4M
- Total assets
- 2,948
- Members
- 19.1%
- Net-worth ratio
Greater Cleveland Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66860, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Greater Cleveland Community - 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)69
- Member growth3
- Liquidity (loan-to-share)100
Weighted composite: 56/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.11% | 30% |
| Delinquency Rate | 4.16% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | -4.72% | 15% |
| Loan-to-Share Ratio | 74.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $9.4M | 2,948 |
| 2024Q4 | $9.7M | 3,094 |
| 2023Q4 | $9.2M | 2,861 |
Credit Union Details
- Charter Number
- 66860
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Cleveland
- Data Quarter
- 2025Q4
What This Data Says About Greater Cleveland Community
Headquartered in Cleveland, Ohio, Greater Cleveland Community is a state credit union with 2,948 members, $9.4M in total assets, and $5.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 56/100 (Fair), driven in part by a net worth ratio of 19.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66860 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
4.16% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 74.96% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.19% on net income of $17K 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 -4.72%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
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 Greater Cleveland Community financially healthy?
Greater Cleveland Community scores 56/100 (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 19.11% net worth ratio and a 4.16% delinquency rate.
How does Greater Cleveland Community compare to other credit unions?
On PlainCU's health composite, Greater Cleveland Community lands at 56/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Greater Cleveland Community?
Membership eligibility for Greater Cleveland Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Greater Cleveland Community directly for current membership requirements and application steps.
Is my money safe at Greater Cleveland Community?
Federal credit unions like Greater Cleveland Community 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. Greater Cleveland Community's net worth ratio of 19.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Cleveland Community offer compared to banks?
Credit unions like Greater Cleveland Community 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 Greater Cleveland Community 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.