Federal credit union · Cleveland, Ohio · NCUA charter #13559
Noteworthy
Health score 28/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 28
- Health / 100
- $4.7M
- Total assets
- 713
- Members
- 0.9%
- Net-worth ratio
Noteworthy - Share Insurance Coverage
Charter #13559'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.
Noteworthy - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)8
- Asset quality (delinquency)45
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 28/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
0.92% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.92% | 30% |
| Delinquency Rate | 2.22% | 25% |
| Return on Assets | -0.79% | 15% |
| Member Growth | -9.86% | 15% |
| Loan-to-Share Ratio | 77.00% | 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 | $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
What This Data Says About Noteworthy
Headquartered in Cleveland, Ohio, Noteworthy is a federal credit union with 713 members, $4.7M in total assets, and $3.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 28/100 (Weak), driven in part by a net worth ratio of 0.92% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #13559 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.22% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. The loan-to-share ratio of 77.00% 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. Return on assets stands at -0.79% on net income of $-37578 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 -9.86%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other/Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
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 Noteworthy financially healthy?
Yes/no aside, the number is 28/100 (Weak) - Noteworthy's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 0.92% net worth ratio and 2.22% delinquency rate are the key drivers.
How does Noteworthy compare to other credit unions?
Noteworthy scores 28/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Noteworthy 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. Noteworthy's net worth ratio of 0.92% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Noteworthy offer compared to banks?
Credit unions like Noteworthy 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 Noteworthy 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.