Federal credit union · SOLON, Ohio · NCUA charter #15451
Solon/chagrin Falls
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $9.6M
- Total assets
- 625
- Members
- 19.5%
- Net-worth ratio
Solon/chagrin Falls - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15451 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Solon/chagrin Falls - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)64
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.50% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.55% | 15% |
| Member Growth | -8.36% | 15% |
| Loan-to-Share Ratio | 40.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $9.6M | 625 |
| 2024Q4 | $9.6M | 682 |
| 2023Q4 | $9.0M | 720 |
Credit Union Details
- Charter Number
- 15451
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- SOLON
- Data Quarter
- 2025Q4
What This Data Says About Solon/chagrin Falls
The five-factor composite scores Solon/chagrin Falls at 80/100 (Excellent), reflecting a net worth ratio of 19.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in SOLON, Ohio, reports 625 members, $9.6M in total assets, and $3.1M in outstanding loans as of Q4 2025 under charter #15451 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 40.81% 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 0.55% on net income of $53K 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 -8.36%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Single Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 Solon/chagrin Falls financially healthy?
Solon/chagrin Falls scores 80/100 (Excellent) 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 19.50% net worth ratio and a 0.00% delinquency rate.
How does Solon/chagrin Falls compare to other credit unions?
Five weighted metrics from NCUA filings produce Solon/chagrin Falls's 80/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Solon/chagrin Falls?
Solon/chagrin Falls is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Solon/chagrin Falls directly to confirm eligibility.
Is my money safe at Solon/chagrin Falls?
Federal credit unions like Solon/chagrin Falls 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. Solon/chagrin Falls's net worth ratio of 19.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Solon/chagrin Falls offer compared to banks?
Credit unions like Solon/chagrin Falls 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 Solon/chagrin Falls 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.