Federal credit union · Cleveland, Ohio · NCUA charter #95107
Ohio Educational
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $154.7M
- Total assets
- 14,808
- Members
- 8.1%
- Net-worth ratio
Ohio Educational scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $154.7M; members 14,808; net-worth ratio 8.10%; health rank #1,358 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,358 of 4,374 health · 2025Q4Ohio Educational · health 89/100 · $154.7M · 2025Q4
- DELQ 89/100
- ROA 8.1%
- ASSETS 0.13%
- MEM 0.67%
- RANK $154.7M
- PHOTO 14,808
- BOOK #1,358/4,374
- CHARTER River City
- NCUSIF 95107
Call Report peers
Ohio Educational in the assets neighbourhood
Ohio Educational's $154.7M assets sit next to River City ($154.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ohio Educational 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
89 Top 31% higher than 69% 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
Ohio Educational - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #95107: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Ohio Educational diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +6.18 pp (78.38% vs 72.20%).
- Largest lag: Net Worth Ratio at 8.10% vs peer 12.11% (-4.01 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 Ohio Educational
- In Ohio, health place is #61 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #59 of 196.
- Ohio membership ordinal: #47 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 Ohio Educational's 5300 filing moved
Ohio Educational: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $154.7M (2025Q4) to $158.2M (2026Q1).
- Net-worth ratio shifted -0.11 pp (8.21% → 8.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.10% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 25.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 15.4 pts
Ohio Educational vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.10% | -4.01 pp |
| Delinquency Rate | 0.13% | -0.76 pp |
| Return on Assets | 0.67% | +0.05 pp |
| Member Growth | -0.35% | - |
| Loan-to-Share Ratio | 78.38% | +6.18 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 - Ohio Educational
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $158.2M | - |
| 2025Q4 | $154.7M | 14,808 |
| 2024Q4 | $147.1M | 14,860 |
| 2023Q4 | $149.2M | 15,182 |
Credit Union Details
- Charter Number
- 95107
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Cleveland
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Ohio Educational, spread across 5 cities.
| Office | City |
|---|---|
| Administrative Office (Main Office) | Seven Hills, OH |
| Cleveland Branch | Cleveland, OH |
| Lakewood | Lakewood, OH |
| Oberlin | Oberlin, OH |
| Zanesville | Zanesville, 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.
Cross-state Call Report peers for Ohio Educational
Ohio Educational's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($154.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Ohio Educational ranks #1,358 of 4,374 nationally on financial health and #61 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LAKEVIEW is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LAKEVIEW
- 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 Ohio Educational financially healthy?
Ohio Educational scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,358 of 4,374; by total assets it ranks #1,472 of 4,374 nationally (same basis as /rankings/largest); and #59 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.10% net worth ratio and a 0.13% delinquency rate.
How does Ohio Educational compare to other credit unions?
Five weighted metrics from NCUA filings produce Ohio Educational's 89/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Ohio Educational?
Membership eligibility for Ohio Educational depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Ohio Educational directly for current membership requirements and application steps.
Is my money safe at Ohio Educational?
Federal credit unions like Ohio Educational 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. Ohio Educational's net worth ratio of 8.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ohio Educational offer compared to banks?
Credit unions like Ohio Educational 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 Ohio Educational 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.