Federal credit union · Parma, Ohio · NCUA charter #4966
Unity Catholic
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $99.0M
- Total assets
- 9,141
- Members
- 8.9%
- Net-worth ratio
Unity Catholic scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $99.0M; members 9,141; net-worth ratio 8.90%; health rank #3,128 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,128 of 4,374 health · 2025Q4Unity Catholic · health 77/100 · $99.0M · 2025Q4
Call Report peers
Unity Catholic in the assets neighbourhood
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Unity Catholic vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Unity Catholic sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
Unity Catholic vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 70.67% vs peer 62.60% (+8.07 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.72 pp (8.90% vs 13.62%).
Unity Catholic: in-state Call Report ranks
- Ohio health ordinal: #148 of 196.
- Ohio assets place: #80 of 196.
- Member book place in Ohio: #66 of 196.
- One place up in Ohio, GEAUGA (#147) ties at 77/100; one place down, W T Community (#149) scores 76/100, 1 point lower.
Quarter path for Unity Catholic
Unity Catholic: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $99.0M (2025Q4) to $98.7M (2026Q1).
- Net-worth ratio shifted +0.11 pp (8.79% → 8.90%).
At 8.90%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Unity Catholic gives up 23 points in total. Delinquency Rate costs the most, 10.2 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 14.8 pts
- Return on Assets 10.3 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Unity Catholic
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.90% | -4.72 pp |
| Delinquency Rate | 1.69% | +0.73 pp |
| Return on Assets | 0.19% | -0.47 pp |
| Member Growth | 0.47% | - |
| Loan-to-Share Ratio | 70.67% | +8.07 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $98.7M | - |
| 2025Q4 | $99.0M | 9,141 |
| 2024Q4 | $94.9M | 9,098 |
| 2023Q4 | $91.9M | 9,203 |
Credit Union Details
- Charter Number
- 4966
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Parma
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Unity Catholic, spread across 2 cities.
| Office | City |
|---|---|
| St Charles Office (Main Office) | Parma, OH |
| Brunswick Office | Brunswick, 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 Unity Catholic
Similar total assets
Similar health score
Using this data
- Unity Catholic ranks #3,128 of 4,374 nationally on financial health and #148 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Toledo is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Toledo
Frequently Asked Questions
Is Unity Catholic financially healthy?
Unity Catholic has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,128 of 4,374 nationally on health and #148 of 196 in Ohio. Its net worth ratio is 8.90% and its delinquency rate 1.69%.
How does Unity Catholic compare to other credit unions?
Unity Catholic scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (70.67% vs 62.60%). Its widest shortfall is net worth ratio (8.90% vs 13.62%).
How can I join Unity Catholic?
Unity Catholic 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 Unity Catholic directly for the exact boundaries and application steps.
Is my money safe at Unity Catholic?
Unity Catholic 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. Unity Catholic's net worth ratio of 8.90% 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.