Federal credit union · Shaker Heights, Ohio · NCUA charter #3787
Shaker Heights
Health score 47/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $1.2M
- Total assets
- 134
- Members
- 23.7%
- Net-worth ratio
Shaker Heights scores 47/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.2M; members 134; net-worth ratio 23.73%; health rank #4,295 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
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Shaker Heights vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Shaker Heights sits in 45-49 with 39 others.
47 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Shaker Heights: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 23.73% vs peer 22.93% (+0.80 pp).
- Widest shortfall vs peers is Delinquency Rate: +12.61 pp (17.09% vs 4.48%).
Where Shaker Heights sits in Ohio
- Ohio health ordinal: #190 of 196.
- By total assets, Shaker Heights is #191 of 196 in Ohio.
- Membership ranks #194 of 196 among Ohio CUs with a reported count (134 members).
- One place up in Ohio, Toledo Urban (#189) scores 48/100, 1 point higher; one place down, Heekin Can Empl (#191) scores 45/100, 2 points lower.
How Shaker Heights's 5300 filing moved
Shaker Heights: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (23.83% → 23.73%).
This credit union's 23.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 47/100 score is built
Shaker Heights gives up 53 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 6.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.5 pts
Call Report ratios for Shaker Heights
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.73% | +0.80 pp |
| Delinquency Rate | 17.09% | +12.61 pp |
| Return on Assets | 0.04% | -0.18 pp |
| Member Growth | -11.84% | - |
| Loan-to-Share Ratio | 45.68% | -7.02 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Shaker Heights filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Shaker Heights runs one office.
| Office | City |
|---|---|
| City Hall (Main Office) | Shaker Heights, 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 Shaker Heights
Similar health score
Using this data
- Shaker Heights ranks #4,295 of 4,374 nationally on financial health and #190 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ibew 141 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ibew 141
Frequently Asked Questions
Is Shaker Heights financially healthy?
Shaker Heights has a financial health score of 47/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,295 of 4,374 nationally on health and #190 of 196 in Ohio. Its net worth ratio is 23.73% and its delinquency rate 17.09%.
How does Shaker Heights compare to other credit unions?
Shaker Heights scores 47/100, higher than 2% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (23.73% vs 22.93%). Its widest shortfall is delinquency rate (17.09% vs 4.48%).
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?
Shaker Heights 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. Shaker Heights's net worth ratio of 23.73% 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.