Federal credit union · Cleveland, Ohio · NCUA charter #13559
NOTEWORTHY
Health score 27/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 27
- Health / 100
- $4.7M
- Total assets
- 713
- Members
- 0.2%
- Net-worth ratio
NOTEWORTHY scores 27/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.7M; members 713; net-worth ratio 0.23%; health rank #4,370 of 4,374; healthier than 0th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,370 of 4,374 health · 2025Q4NOTEWORTHY · health 27/100 · $4.7M · 2025Q4
Call Report peers
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NOTEWORTHY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NOTEWORTHY sits in 25-29 with 4 others.
27 0th percentile in the bottom 1% 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
NOTEWORTHY: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +13.40 pp (77.00% vs 63.60%).
- Largest lag: Net Worth Ratio at 0.23% vs peer 19.06% (-18.83 pp).
NOTEWORTHY: in-state Call Report ranks
- In Ohio, health place is #195 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #181 of 196 inside Ohio ($4.7M reported).
- Member book place in Ohio: #178 of 196.
- One place up in Ohio, Sorg Bay West (#194) scores 36/100, 9 points higher; one place down, Teamsters Local 92 (#196) scores 26/100, 1 point lower.
NOTEWORTHY: 2025Q4 → 2026Q1
NOTEWORTHY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +14.6% from $4.7M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted -0.69 pp (0.92% → 0.23%).
0.23% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 27/100 score is built
NOTEWORTHY gives up 73 points in total. Net Worth Ratio costs the most, 29.4 of its 30; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 0.6 pts
- Delinquency Rate 11.1 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
NOTEWORTHY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 0.23% | -18.83 pp |
| Delinquency Rate | 2.22% | +0.41 pp |
| Return on Assets | -0.79% | -1.24 pp |
| Member Growth | -9.86% | - |
| Loan-to-Share Ratio | 77.00% | +13.40 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.4M | - |
| 2025Q4 | $4.7M | 713 |
| 2024Q4 | $3.9M | 791 |
| 2023Q4 | $4.3M | 800 |
Credit Union Details
- Charter Number
- 13559
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Cleveland
- Data Quarter
- 2025Q4
Branch Locations (3)
NOTEWORTHY operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| NoteWorthy-Main (Main Office) | Cleveland, OH |
| Vital Records | Columbus, OH |
| OHIO TEAMSTERS CREDIT UNION | INDEPENDENCE, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
NOTEWORTHY nationwide neighbourhoods
Similar health score
Using this data
- NOTEWORTHY ranks #4,370 of 4,374 nationally on financial health and #195 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- W T Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with W T Community
Frequently Asked Questions
Is NOTEWORTHY financially healthy?
On its 2025Q4 NCUA 5300 filing, NOTEWORTHY scores 27/100 (Weak), with a 0.23% net worth ratio and 2.22% of loans delinquent. It ranks #4,370 of 4,374 nationally on health and #195 of 196 in Ohio.
How does NOTEWORTHY compare to other credit unions?
NOTEWORTHY scores 27/100, higher than 0% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (77.00% vs 63.60%). Its widest shortfall is net worth ratio (0.23% vs 19.06%).
How can I join NOTEWORTHY?
NOTEWORTHY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact NOTEWORTHY directly for the exact boundaries and application steps.
Is my money safe at NOTEWORTHY?
NOTEWORTHY is a federal 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. NOTEWORTHY's net worth ratio of 0.23% is relative to 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.