Federal credit union · CLEVES, Ohio · NCUA charter #24530
PRESIDENTS
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $14.1M
- Total assets
- 1,153
- Members
- 14.0%
- Net-worth ratio
PRESIDENTS scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.1M; members 1,153; net-worth ratio 14.01%; health rank #3,076 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,076 of 4,374 health · 2025Q4PRESIDENTS · health 77/100 · $14.1M · 2025Q4
- ROA 77/100
- ASSETS 14.0%
- MEM 0.80%
- RANK 1.95%
- PHOTO $14.1M
- BOOK 1,153
- CHARTER #3,076/4,374
- NCUSIF Scranton Downtown
- CAMELS 24530
Call Report peers
PRESIDENTS in the assets neighbourhood
PRESIDENTS's $14.1M assets sit next to Scranton Downtown ($14.1M) 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.
PRESIDENTS 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
77 28th percentile higher than 28% 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
PRESIDENTS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24530, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
PRESIDENTS vs $10M–$50M peers
- Largest favorable gap: Return on Assets at 1.95% vs peer 0.70% (+1.24 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.73 pp (43.07% 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.
Ohio standing for PRESIDENTS
- In Ohio, health place is #145 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #156 of 196 inside Ohio ($14.1M reported).
- Member book place in Ohio: #164 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 PRESIDENTS's 5300 filing moved
PRESIDENTS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $14.1M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.54 pp (14.55% → 14.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
PRESIDENTS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.01% | -0.85 pp |
| Delinquency Rate | 0.80% | -0.35 pp |
| Return on Assets | 1.95% | +1.24 pp |
| Member Growth | -6.49% | - |
| Loan-to-Share Ratio | 43.07% | -16.73 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.8M | - |
| 2025Q4 | $14.1M | 1,153 |
| 2024Q4 | $15.0M | 1,233 |
| 2023Q4 | $15.9M | 1,338 |
Credit Union Details
- Charter Number
- 24530
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- CLEVES
- Data Quarter
- 2025Q4
Branch Location
PRESIDENTS operates a single office in CLEVES, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN BRANCH (Main Office) | CLEVES, 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.
PRESIDENTS nationwide neighbourhoods
PRESIDENTS's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- PRESIDENTS ranks #3,076 of 4,374 nationally on financial health and #145 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Faith Community United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Faith Community United
- 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 PRESIDENTS financially healthy?
A 14.01% net worth ratio and a 0.80% delinquency rate feed into PRESIDENTS's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,076 of 4,374; by total assets it ranks #3,356 of 4,374 nationally (same basis as /rankings/largest); and #156 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does PRESIDENTS compare to other credit unions?
Five weighted metrics from NCUA filings produce PRESIDENTS's 77/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 PRESIDENTS?
PRESIDENTS 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 PRESIDENTS directly for the exact boundaries and application steps.
Is my money safe at PRESIDENTS?
Federal credit unions like PRESIDENTS 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. PRESIDENTS's net worth ratio of 14.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PRESIDENTS offer compared to banks?
Credit unions like PRESIDENTS 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 PRESIDENTS 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.