Federal credit union · SYLVANIA, Ohio · NCUA charter #17733
Sylvania Area
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $26.0M
- Total assets
- 1,828
- Members
- 9.2%
- Net-worth ratio
Sylvania Area scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.0M; members 1,828; net-worth ratio 9.20%; health rank #2,897 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,897 of 4,374 health · 2025Q4Sylvania Area · health 79/100 · $26.0M · 2025Q4
- RANK 79/100
- PHOTO 9.2%
- BOOK 0.45%
- CHARTER 0.12%
- NCUSIF $26.0M
- CAMELS 1,828
- HEALTH #2,897/4,374
- NW Montcalm Public Employees
- DELQ 17733
Call Report peers
Sylvania Area in the assets neighbourhood
Sylvania Area's $26.0M assets sit next to Montcalm Public Employees ($25.9M) 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.
Sylvania Area 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
79 33rd percentile higher than 33% 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
Sylvania Area - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #17733 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Sylvania Area diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.70 pp (0.45% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.70 pp (33.10% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Sylvania Area sits in Ohio
- Ohio health ordinal: #136 of 196.
- Assets rank #135 of 196 inside Ohio ($26.0M reported).
- Membership ranks #149 of 196 among Ohio CUs with a reported count (1,828 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Sylvania Area Call Report trajectory
Sylvania Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.1% from $26.0M (2025Q4) to $25.5M (2026Q1).
- Net-worth ratio shifted +0.29 pp (8.91% → 9.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.20% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.3 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 8.7 pts
Sylvania Area vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.20% | -5.66 pp |
| Delinquency Rate | 0.45% | -0.70 pp |
| Return on Assets | 0.12% | -0.59 pp |
| Member Growth | -0.54% | - |
| Loan-to-Share Ratio | 33.10% | -26.70 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.5M | - |
| 2025Q4 | $26.0M | 1,828 |
| 2024Q4 | $27.6M | 1,838 |
| 2023Q4 | $24.2M | 1,892 |
Credit Union Details
- Charter Number
- 17733
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- SYLVANIA
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Sylvania Area, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Sylvania Area Federal Credit Union (Main Office) | Sylvania, OH |
| FISERV/ Portico | Atlanta, GA |
| Sylvania Area Federal Credit Union | Sylvania, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Sylvania Area
Sylvania Area's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Sylvania Area ranks #2,897 of 4,374 nationally on financial health and #136 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ohio Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ohio Valley
- 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 Sylvania Area financially healthy?
Sylvania Area has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,897 of 4,374; by total assets it ranks #2,964 of 4,374 nationally (same basis as /rankings/largest); and #135 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.20% and delinquency rate of 0.45%.
How does Sylvania Area compare to other credit unions?
Five weighted metrics from NCUA filings produce Sylvania Area's 79/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Sylvania Area?
Sylvania Area 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 Sylvania Area directly for the exact boundaries and application steps.
Is my money safe at Sylvania Area?
Federal credit unions like Sylvania Area 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. Sylvania Area's net worth ratio of 9.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sylvania Area offer compared to banks?
Credit unions like Sylvania Area 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 Sylvania Area 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.