Federal credit union · Cleveland, Ohio · NCUA charter #17555
Steel Valley
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $22.1M
- Total assets
- 3,224
- Members
- 9.7%
- Net-worth ratio
Steel Valley scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.1M; members 3,224; net-worth ratio 9.66%; health rank #3,955 of 4,374; healthier than 9th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,955 of 4,374 health · 2025Q4Steel Valley · health 63/100 · $22.1M · 2025Q4
- HEALTH 63/100
- NW 9.7%
- DELQ 1.40%
- ROA 0.03%
- ASSETS $22.1M
- MEM 3,224
- RANK #3,955/4,374
- PHOTO Special Metals
- BOOK 17555
Call Report peers
Steel Valley in the assets neighbourhood
Steel Valley's $22.1M assets sit next to Special Metals ($22.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Steel Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
63 9th percentile higher than 9% 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
Steel Valley - Share Insurance Coverage
Charter #17555's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Steel Valley
- Loan-to-Share Ratio trails the peer set - 53.12% here, 59.80% peer average (-6.68 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Steel Valley sits in Ohio
- Health composite ranks #173 of 196 among scored Ohio credit unions.
- Assets rank #140 of 196 inside Ohio ($22.1M reported).
- Member book place in Ohio: #122 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Steel Valley: 2025Q4 → 2026Q1
Steel Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $22.1M (2025Q4) to $22.6M (2026Q1).
- Net-worth ratio shifted -0.21 pp (9.87% → 9.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 17.0 pts
- Return on Assets 6.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for Steel Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.66% | -5.20 pp |
| Delinquency Rate | 1.40% | +0.25 pp |
| Return on Assets | 0.03% | -0.67 pp |
| Member Growth | -7.94% | - |
| Loan-to-Share Ratio | 53.12% | -6.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Steel Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.6M | - |
| 2025Q4 | $22.1M | 3,224 |
| 2024Q4 | $22.3M | 3,502 |
| 2023Q4 | $23.4M | 3,858 |
Credit Union Details
- Charter Number
- 17555
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Cleveland
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Steel Valley runs one office.
| Office | City |
|---|---|
| Cleveland (Main Office) | Cleveland, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Steel Valley
Two NCUA Call Report peer sets for Steel Valley, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Steel Valley ranks #3,955 of 4,374 nationally on financial health and #173 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Trust
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Steel Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Steel Valley carries a financial health score of 63/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,955 of 4,374; by total assets it ranks #3,077 of 4,374 nationally (same basis as /rankings/largest); and #140 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.66% net worth ratio and a 1.40% delinquency rate.
How does Steel Valley compare to other credit unions?
On PlainCU's health composite, Steel Valley lands at 63/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Steel Valley?
Steel Valley 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 Steel Valley directly for the exact boundaries and application steps.
Is my money safe at Steel Valley?
Federal credit unions like Steel Valley 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. Steel Valley's net worth ratio of 9.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Steel Valley offer compared to banks?
Credit unions like Steel Valley 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 Steel Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.