Federal credit union · Conneaut, Ohio · NCUA charter #12351
Port Conneaut
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $30.7M
- Total assets
- 3,770
- Members
- 12.7%
- Net-worth ratio
Port Conneaut scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.7M; members 3,770; net-worth ratio 12.73%; health rank #3,993 of 4,374; healthier than 8th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,993 of 4,374 health · 2025Q4Port Conneaut · health 62/100 · $30.7M · 2025Q4
- NCUSIF 62/100
- CAMELS 12.7%
- HEALTH 3.59%
- NW 0.52%
- DELQ $30.7M
- ROA 3,770
- ASSETS #3,993/4,374
- MEM Community & Teachers
- RANK 12351
Call Report peers
Port Conneaut in the assets neighbourhood
Port Conneaut's $30.7M assets sit next to Community & Teachers ($30.7M) 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.
Port Conneaut 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
62 8th percentile higher than 8% 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
Port Conneaut - Share Insurance Coverage
Charter #12351'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.
Port Conneaut vs $10M–$50M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.24 pp (51.56% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Port Conneaut: in-state Call Report ranks
- Health composite ranks #174 of 196 among scored Ohio credit unions.
- Assets rank #132 of 196 inside Ohio ($30.7M reported).
- Membership ranks #111 of 196 among Ohio CUs with a reported count (3,770 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Port Conneaut
Port Conneaut: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $30.7M (2025Q4) to $30.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.83% → 12.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.73%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.5 pts
- Return on Assets 15.0 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.73% | -2.13 pp |
| Delinquency Rate | 3.59% | +2.45 pp |
| Return on Assets | 0.52% | -0.19 pp |
| Member Growth | -3.03% | - |
| Loan-to-Share Ratio | 51.56% | -8.24 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).
Port Conneaut filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.8M | - |
| 2025Q4 | $30.7M | 3,770 |
| 2024Q4 | $31.3M | 3,888 |
| 2023Q4 | $30.1M | 3,965 |
Credit Union Details
- Charter Number
- 12351
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Conneaut
- Data Quarter
- 2025Q4
Branch Locations (2)
Port Conneaut operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Port Conneaut FCU (Main Office) | Conneaut, OH |
| Port Conneaut FCU Ashtabula Branch | Ashtabula, 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.
Other-state peers near Port Conneaut
Two NCUA Call Report peer sets for Port Conneaut, 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 ($30.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Port Conneaut ranks #3,993 of 4,374 nationally on financial health and #174 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Carey Poverello is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Carey Poverello
- 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 Port Conneaut financially healthy?
A 12.73% net worth ratio and a 3.59% delinquency rate feed into Port Conneaut's financial health score of 62/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,993 of 4,374; by total assets it ranks #2,833 of 4,374 nationally (same basis as /rankings/largest); and #132 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Port Conneaut compare to other credit unions?
PlainCU's health composite puts Port Conneaut at 62/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Port Conneaut?
Port Conneaut 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 Port Conneaut directly for the exact boundaries and application steps.
Is my money safe at Port Conneaut?
Federal credit unions like Port Conneaut 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. Port Conneaut's net worth ratio of 12.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Port Conneaut offer compared to banks?
Credit unions like Port Conneaut 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 Port Conneaut 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.