Federal credit union · Cambridge, Ohio · NCUA charter #96674
Southeastern Ohio
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $64.1M
- Total assets
- 6,475
- Members
- 11.7%
- Net-worth ratio
Southeastern Ohio scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.1M; members 6,475; net-worth ratio 11.72%; health rank #945 of 4,374; healthier than 77th of scored peers.
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NCUA 5300 Call Report Masthead
#945 of 4,374 health · 2025Q4Southeastern Ohio · health 91/100 · $64.1M · 2025Q4
Call Report peers
Southeastern Ohio in the assets neighbourhood
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Southeastern Ohio vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southeastern Ohio sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
Southeastern Ohio vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +1.55 pp (64.15% vs 62.60%).
- Largest lag: Net Worth Ratio at 11.72% vs peer 13.62% (-1.90 pp).
Ohio standing for Southeastern Ohio
- Ohio health ordinal: #35 of 196.
- By total assets, Southeastern Ohio is #98 of 196 in Ohio.
- Member book place in Ohio: #86 of 196.
- One place up in Ohio, BFG (#34) ties at 91/100; one place down, Bay Area (#36) ties at 91/100.
Quarter path for Southeastern Ohio
Southeastern Ohio: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $64.1M (2025Q4) to $65.4M (2026Q1).
- Net-worth ratio shifted +0.08 pp (11.64% → 11.72%).
11.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Southeastern Ohio gives up 9 points in total. Delinquency Rate costs the most, 6.2 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.8 pts
- Return on Assets 15.0 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 13.9 pts
Southeastern Ohio health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.72% | -1.90 pp |
| Delinquency Rate | 1.15% | +0.19 pp |
| Return on Assets | 1.07% | +0.42 pp |
| Member Growth | 3.62% | - |
| Loan-to-Share Ratio | 64.15% | +1.55 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Southeastern Ohio filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.4M | - |
| 2025Q4 | $64.1M | 6,475 |
| 2024Q4 | $57.4M | 6,249 |
| 2023Q4 | $50.2M | 6,007 |
Credit Union Details
- Charter Number
- 96674
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Cambridge
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Southeastern Ohio, spread across 5 cities.
| Office | City |
|---|---|
| Cambridge Office (Main Office) | Cambridge, OH |
| Caldwell Office | Caldwell, OH |
| CU-Centric | Columbus, OH |
| Marietta Office | Marietta, OH |
| Belmont Correctional Institution | Saint Clairsville, 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.
- POSTAL FAMILY CREDIT UNION, INC.CINCINNATI, OH · $50M–$100M85Health
- ST. JOSEPHS CANTON PARISHCanton, OH · $50M–$100M87Health
- TOPMARKCridersville, OH · $50M–$100M74Health
- L C EPainesville, OH · $50M–$100M87Health
- TOLEDO METROTOLEDO, OH · $50M–$100M80Health
Compare Southeastern Ohio vs POSTAL FAMILY CREDIT UNION, INC.
Other-state peers near Southeastern Ohio
Using this data
- Southeastern Ohio ranks #945 of 4,374 nationally on financial health and #35 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Postal Family Credit Union, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Postal Family Credit Union, Inc.
Frequently Asked Questions
Is Southeastern Ohio financially healthy?
Southeastern Ohio has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #945 of 4,374 nationally on health and #35 of 196 in Ohio. Its net worth ratio is 11.72% and its delinquency rate 1.15%.
How does Southeastern Ohio compare to other credit unions?
Southeastern Ohio scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (64.15% vs 62.60%). Its widest shortfall is net worth ratio (11.72% vs 13.62%).
How can I join Southeastern Ohio?
Membership eligibility for Southeastern Ohio depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Southeastern Ohio directly for current membership requirements and application steps.
Is my money safe at Southeastern Ohio?
Southeastern Ohio 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. Southeastern Ohio's net worth ratio of 11.72% 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.