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
Call Report peers
L. E. O. in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); L. E. O. sits in 55-59 with 115 others.
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
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).
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).
- One place up in Ohio, Toledo Police (#181) scores 58/100, 2 points higher; one place down, Greater Cleveland Community (#183) ties at 56/100.
How L. E. O.'s 5300 filing moved
L. E. O.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $10.2M (2025Q4) to $10.4M (2026Q1).
- Net-worth ratio shifted -0.89 pp (25.31% → 24.42%).
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
L. E. O. gives up 44 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is L. E. O. financially healthy?
On its 2025Q4 NCUA 5300 filing, L. E. O. scores 56/100 (Fair), with a 24.42% net worth ratio and 6.77% of loans delinquent. It ranks #4,153 of 4,374 nationally on health and #182 of 196 in Ohio.
How does L. E. O. compare to other credit unions?
L. E. O. scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (24.42% vs 14.86%). Its widest shortfall is loan-to-share ratio (50.62% vs 59.80%).
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.?
L. E. O. 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. L. E. O.'s net worth ratio of 24.42% 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.