Federal credit union · Shaker Heights, Ohio · NCUA charter #3787
Shaker Heights
Health score 47/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $1.2M
- Total assets
- 134
- Members
- 23.8%
- Net-worth ratio
Shaker Heights - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3787. See our deposit-insurance coverage note.
Shaker Heights - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)43
- Member growth0
- Liquidity (loan-to-share)67
Weighted composite: 47/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 23.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.83% | 30% |
| Delinquency Rate | 17.09% | 25% |
| Return on Assets | 0.04% | 15% |
| Member Growth | -11.84% | 15% |
| Loan-to-Share Ratio | 45.68% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.2M | 134 |
| 2024Q4 | $1.3M | 152 |
| 2023Q4 | $1.6M | 160 |
Credit Union Details
- Charter Number
- 3787
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- Ohio
- City
- Shaker Heights
- Data Quarter
- 2025Q4
What This Data Says About Shaker Heights
Headquartered in Shaker Heights, Ohio, Shaker Heights is a federal credit union with 134 members, $1.2M in total assets, and $426K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 47/100 (Below Average), driven in part by a net worth ratio of 23.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #3787 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 17.09% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. The loan-to-share ratio of 45.68% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.04% on net income of $541 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -11.84%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Shaker Heights financially healthy?
Shaker Heights scores 47/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 23.83% net worth ratio and a 17.09% delinquency rate.
How does Shaker Heights compare to other credit unions?
PlainCU's health composite puts Shaker Heights at 47/100, compared to a peer group average for Under $2M 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 Shaker Heights?
Shaker Heights carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Shaker Heights directly to confirm current membership steps.
Is my money safe at Shaker Heights?
Federal credit unions like Shaker Heights 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. Shaker Heights's net worth ratio of 23.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Shaker Heights offer compared to banks?
Credit unions like Shaker Heights 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 Shaker Heights directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.