State credit union · Painesville, Ohio · NCUA charter #63679
Painesville Credit Union
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $45.8M
- Total assets
- 6,251
- Members
- 16.2%
- Net-worth ratio
Painesville Credit Union scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.8M; members 6,251; net-worth ratio 16.24%; health rank #10 of 4,374; healthier than 99th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#10 of 4,374 health · 2025Q4Painesville Credit Union · health 100/100 · $45.8M · 2025Q4
- ROA 100/100
- ASSETS 16.2%
- MEM 0.24%
- RANK 1.70%
- PHOTO $45.8M
- BOOK 6,251
- CHARTER #10/4,374
- NCUSIF Riverside Community
- CAMELS 63679
Call Report peers
Painesville Credit Union in the assets neighbourhood
Painesville Credit Union's $45.8M assets sit next to Riverside Community ($45.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Painesville Credit Union 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
Painesville Credit Union - Share Insurance Coverage
Charter #63679'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.
Peer-gap read for Painesville Credit Union
- Loan-to-Share Ratio leads the peer set - 69.80% here, 59.80% peer average (+10.00 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Painesville Credit Union in Ohio
- Health composite ranks #2 of 196 among scored Ohio credit unions.
- By total assets, Painesville Credit Union is #108 of 196 in Ohio.
- Member book place in Ohio: #88 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.
Painesville Credit Union: 2025Q4 → 2026Q1
Painesville Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $45.8M (2025Q4) to $45.7M (2026Q1).
- Net-worth ratio shifted +0.04 pp (16.20% → 16.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 Painesville Credit Union
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.24% | +1.38 pp |
| Delinquency Rate | 0.24% | -0.90 pp |
| Return on Assets | 1.70% | +1.00 pp |
| Member Growth | 7.31% | - |
| Loan-to-Share Ratio | 69.80% | +10.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Painesville Credit Union
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.7M | - |
| 2025Q4 | $45.8M | 6,251 |
| 2024Q4 | $45.2M | 5,825 |
| 2023Q4 | $43.9M | 5,625 |
Credit Union Details
- Charter Number
- 63679
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Painesville
- Data Quarter
- 2025Q4
Branch Location
Painesville Credit Union operates a single office in Painesville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Painesville Credit Union (Main Office) | Painesville, 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.
- CHILDREN'S MEDICAL CENTERCincinnati, OH · $10M–$50M88Health
- TOLEDO FIRE FIGHTERSToledo, OH · $10M–$50M92Health
- FIRSTENERGY FAMILYAkron, OH · $10M–$50M90Health
- ALL SAINTSParma, OH · $10M–$50M82Health
- FIRST OHIO COMMUNITYNorth Canton, OH · $10M–$50M83Health
Compare Painesville Credit Union vs CHILDREN'S MEDICAL CENTER
Cross-state Call Report peers for Painesville Credit Union
Painesville Credit Union's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($45.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Painesville Credit Union ranks #10 of 4,374 nationally on financial health and #2 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Children's Medical Center is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Children's Medical Center
- 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 Painesville Credit Union financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Painesville Credit Union carries a financial health score of 100/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #10 of 4,374; by total assets it ranks #2,474 of 4,374 nationally (same basis as /rankings/largest); and #108 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.24% net worth ratio and a 0.24% delinquency rate.
How does Painesville Credit Union compare to other credit unions?
100/100 is Painesville Credit Union's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Painesville Credit Union?
Membership eligibility for Painesville Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Painesville Credit Union directly for current membership requirements and application steps.
Is my money safe at Painesville Credit Union?
Federal credit unions like Painesville Credit Union 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. Painesville Credit Union's net worth ratio of 16.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Painesville Credit Union offer compared to banks?
Credit unions like Painesville Credit Union 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 Painesville Credit Union 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.