State credit union · AVON LAKE, Ohio · NCUA charter #63177
The Catholic
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $10.6M
- Total assets
- 1,255
- Members
- 13.1%
- Net-worth ratio
The Catholic scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.6M; members 1,255; net-worth ratio 13.07%; health rank #1,444 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,444 of 4,374 health · 2025Q4The Catholic · health 88/100 · $10.6M · 2025Q4
- NCUSIF 88/100
- CAMELS 13.1%
- HEALTH 0.38%
- NW 0.53%
- DELQ $10.6M
- ROA 1,255
- ASSETS #1,444/4,374
- MEM 1st Bergen
- RANK 63177
Call Report peers
The Catholic in the assets neighbourhood
The Catholic's $10.6M assets sit next to 1st Bergen ($10.6M) 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.
The Catholic 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
88 Top 35% higher than 65% 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
The Catholic - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63177, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
The Catholic vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +2.40 pp (62.20% vs 59.80%).
- Net Worth Ratio trails the peer set - 13.07% here, 14.86% peer average (-1.79 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
The Catholic in Ohio
- In Ohio, health place is #67 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #167 of 196 inside Ohio ($10.6M reported).
- Membership ranks #163 of 196 among Ohio CUs with a reported count (1,255 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.
The Catholic: 2025Q4 → 2026Q1
The Catholic: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $10.6M (2025Q4) to $11.1M (2026Q1).
- Net-worth ratio shifted -0.56 pp (13.63% → 13.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.07%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 12.9 pts
The Catholic vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.07% | -1.79 pp |
| Delinquency Rate | 0.38% | -0.77 pp |
| Return on Assets | 0.53% | -0.18 pp |
| Member Growth | -2.18% | - |
| Loan-to-Share Ratio | 62.20% | +2.40 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).
The Catholic filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.1M | - |
| 2025Q4 | $10.6M | 1,255 |
| 2024Q4 | $10.9M | 1,283 |
| 2023Q4 | $11.3M | 1,305 |
Credit Union Details
- Charter Number
- 63177
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- AVON LAKE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for The Catholic.
| Office | City |
|---|---|
| THE CATHOLIC CREDIT INC. MAIN OFFICE (Main Office) | AVON LAKE, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for The Catholic, 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 ($10.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- The Catholic ranks #1,444 of 4,374 nationally on financial health and #67 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Middletown Area Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Middletown Area Schools
- 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 The Catholic financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, The Catholic carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,444 of 4,374; by total assets it ranks #3,533 of 4,374 nationally (same basis as /rankings/largest); and #167 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.07% net worth ratio and a 0.38% delinquency rate.
How does The Catholic compare to other credit unions?
On PlainCU's health composite, The Catholic lands at 88/100, 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 The Catholic?
Membership eligibility for The Catholic depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Catholic directly for current membership requirements and application steps.
Is my money safe at The Catholic?
Federal credit unions like The Catholic 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. The Catholic's net worth ratio of 13.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Catholic offer compared to banks?
Credit unions like The Catholic 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 The Catholic 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.