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
Call Report peers
OC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OC sits in 100 with 34 others.
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 vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 86.92% vs peer 72.20% (+14.72 pp).
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.
- One place up in Ohio, Painesville Credit Union (#2) ties at 100/100; one place down, New Horizon (#4) scores 99/100, 1 point lower.
How OC's 5300 filing moved
OC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $305.7M (2025Q4) to $310.8M (2026Q1).
- Net-worth ratio shifted +0.02 pp (13.40% → 13.42%).
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
Every pillar scores full marks, so all five contribute their maximum.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is OC financially healthy?
OC has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #14 of 4,374 nationally on health and #3 of 196 in Ohio. Its net worth ratio is 13.42% and its delinquency rate 0.07%.
How does OC compare to other credit unions?
OC scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.92% vs 72.20%).
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?
OC 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. OC's net worth ratio of 13.42% 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.