State credit union · Painesville, Ohio · NCUA charter #66329
L. E. O.
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $10.2M
- Total assets
- 1,522
- Members
- 24.4%
- Net-worth ratio
L. E. O. scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.2M; members 1,522; net-worth ratio 24.42%; health rank #4,153 of 4,374; healthier than 5th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,153 of 4,374 health · 2025Q4L. E. O. · health 56/100 · $10.2M · 2025Q4
- CAMELS 56/100
- HEALTH 24.4%
- NW 6.77%
- DELQ 0.78%
- ROA $10.2M
- ASSETS 1,522
- MEM #4,153/4,374
- RANK Va Beach Postal
- PHOTO 66329
Call Report peers
L. E. O. in the assets neighbourhood
L. E. O.'s $10.2M assets sit next to Va Beach Postal ($10.2M) 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.
L. E. O. 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
56 5th percentile higher than 5% 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
L. E. O. - Share Insurance Coverage
Charter #66329'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.
Peer-gap read for L. E. O.
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +9.56 pp (24.42% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 50.62% here, 59.80% peer average (-9.18 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for L. E. O.
- In Ohio, health place is #182 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, L. E. O. is #168 of 196 in Ohio.
- Membership ranks #158 of 196 among Ohio CUs with a reported count (1,522 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How L. E. O.'s 5300 filing moved
L. E. O.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $10.2M (2025Q4) to $10.4M (2026Q1).
- Net-worth ratio shifted -0.89 pp (25.31% → 24.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 24.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 56/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.5 pts
- Loan-to-Share Ratio 10.5 pts
L. E. O. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.42% | +9.56 pp |
| Delinquency Rate | 6.77% | +5.63 pp |
| Return on Assets | 0.78% | +0.08 pp |
| Member Growth | -4.70% | - |
| Loan-to-Share Ratio | 50.62% | -9.18 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
L. E. O. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.4M | - |
| 2025Q4 | $10.2M | 1,522 |
| 2024Q4 | $10.5M | 1,597 |
| 2023Q4 | $10.4M | 1,693 |
Credit Union Details
- Charter Number
- 66329
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Painesville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for L. E. O., spread across 2 cities.
| Office | City |
|---|---|
| L.E.O. Credit Union, Inc. (Main Office) | Painesville, OH |
| Lubrizol Corp. | Wickliffe, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for L. E. O. - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
Using this data
- L. E. O. ranks #4,153 of 4,374 nationally on financial health and #182 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Catholic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Catholic
- 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 L. E. O. financially healthy?
L. E. O. scores 56/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,153 of 4,374; by total assets it ranks #3,551 of 4,374 nationally (same basis as /rankings/largest); and #168 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.42% net worth ratio and a 6.77% delinquency rate.
How does L. E. O. compare to other credit unions?
56/100 is L. E. O.'s score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 L. E. O.?
Membership eligibility for L. E. O. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact L. E. O. directly for current membership requirements and application steps.
Is my money safe at L. E. O.?
Federal credit unions like L. E. O. 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. L. E. O.'s net worth ratio of 24.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does L. E. O. offer compared to banks?
Credit unions like L. E. O. 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 L. E. O. 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.