Federal credit union · GARFIELD HTS, Ohio · NCUA charter #9208
OC
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $305.7M
- Total assets
- 13,927
- Members
- 13.4%
- Net-worth ratio
OC scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $305.7M; members 13,927; net-worth ratio 13.42%; health rank #14 of 4,374; healthier than 99th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#14 of 4,374 health · 2025Q4OC · health 100/100 · $305.7M · 2025Q4
- ASSETS 100/100
- MEM 13.4%
- RANK 0.07%
- PHOTO 0.65%
- BOOK $305.7M
- CHARTER 13,927
- NCUSIF #14/4,374
- CAMELS Santa Barbara Teachers
- HEALTH 9208
Call Report peers
OC in the assets neighbourhood
OC's $305.7M assets sit next to Santa Barbara Teachers ($305.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
OC 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
100 Top 1% higher than 99% 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
OC - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9208, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
OC vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 86.92% vs peer 72.20% (+14.72 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for OC
- Health composite ranks #3 of 196 among scored Ohio credit unions.
- By total assets, OC is #35 of 196 in Ohio.
- Ohio membership ordinal: #54 of 196.
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 OC's 5300 filing moved
OC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $305.7M (2025Q4) to $310.8M (2026Q1).
- Net-worth ratio shifted +0.02 pp (13.40% → 13.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for OC
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.42% | +1.31 pp |
| Delinquency Rate | 0.07% | -0.82 pp |
| Return on Assets | 0.65% | +0.02 pp |
| Member Growth | 6.00% | - |
| Loan-to-Share Ratio | 86.92% | +14.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - OC
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $310.8M | - |
| 2025Q4 | $305.7M | 13,927 |
| 2024Q4 | $267.2M | 13,139 |
| 2023Q4 | $249.5M | 12,518 |
Credit Union Details
- Charter Number
- 9208
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- GARFIELD HTS
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, OC runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Garfield Hts (Main Office) | Garfield Hts, OH |
| Akron | Coventry Township, OH |
| Macedonia | Macedonia, OH |
| North Canton | North Canton, OH |
| Strongsville | Strongsville, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for OC, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($305.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- OC ranks #14 of 4,374 nationally on financial health and #3 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Genfed Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Genfed Financial
- 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 OC financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, OC carries a financial health score of 100/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #14 of 4,374; by total assets it ranks #1,029 of 4,374 nationally (same basis as /rankings/largest); and #35 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.42% net worth ratio and a 0.07% delinquency rate.
How does OC compare to other credit unions?
100/100 is OC's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 OC?
OC 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 OC directly for the exact boundaries and application steps.
Is my money safe at OC?
Federal credit unions like OC 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. OC's net worth ratio of 13.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does OC offer compared to banks?
Credit unions like OC 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 OC 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.