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
Call Report peers
PRESIDENTS in the assets neighbourhood
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PRESIDENTS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PRESIDENTS sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Ohio, Local 50 Plumbers & Steamftrs (#144) ties at 77/100; one place down, Community First (#146) ties at 77/100.
How PRESIDENTS's 5300 filing moved
PRESIDENTS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $14.1M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.54 pp (14.55% → 14.01%).
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
PRESIDENTS gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is PRESIDENTS financially healthy?
PRESIDENTS has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,076 of 4,374 nationally on health and #145 of 196 in Ohio. Its net worth ratio is 14.01% and its delinquency rate 0.80%.
How does PRESIDENTS compare to other credit unions?
PRESIDENTS scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.95% vs 0.70%). Its widest shortfall is loan-to-share ratio (43.07% vs 59.80%).
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?
PRESIDENTS 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. PRESIDENTS's net worth ratio of 14.01% 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.