Credit Union Safety Analysis
Is Antioch Baptist Church Credit Union, Inc. Safe? Cleveland, Ohio
Based on its Q2 2026 NCUA 5300 call report, Antioch Baptist Church Credit Union, Inc. has a net worth ratio of 33.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 7.55%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Antioch Baptist Church Credit Union, Inc.'s net worth ratio is 33.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 33.59%
- Delinquency ratio (60+ days) (Q2 2026): 7.55%
- Return on assets (Q2 2026): 0.08%
- Loan-to-share ratio (Q2 2026): 16.04%
Antioch Baptist Church Credit Union, Inc. (NCUA charter 96660, established 1947) reported $2.7M in assets and 754 members for Q2 2026 from Cleveland, Ohio. It ranks 183 of 191 credit unions in Ohio by total assets. Total assets fell 7.7% from $2.9M on June 30, 2025. It has 29 more members than on June 30, 2025 (+4.0%). Its net worth ratio was up 1.80 percentage points from 31.79% on June 30, 2025. New vehicle loans are its largest loan category, $186K of $288K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 7.55% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 34.85% for Q1 2026; 31.79% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 7.98% for Q1 2026; 0.30% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.82% for Q1 2026; 0.55% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 16.85% for Q1 2026; 19.75% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $186K
- Other unsecured loans and lines of credit: $78K
- Used vehicle loans: $23K
- Other secured non-real estate loans and lines of credit: $836
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.7M | 33.59% | 7.55% | 0.08% | 16.04% |
| March 31, 2026 | $2.6M | 34.85% | 7.98% | -1.82% | 16.85% |
| December 31, 2025 | $2.7M | 33.77% | 6.64% | -0.98% | 19.02% |
| September 30, 2025 | $2.8M | 33.55% | 6.52% | -1.73% | 19.24% |
| June 30, 2025 | $2.9M | 31.79% | 0.30% | 0.55% | 19.75% |
| March 31, 2025 | $3.0M | 30.92% | 1.30% | 0.14% | 20.97% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Antioch Baptist Church Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 96660) · FFIEC NIC profile (RSSD 733296)
Frequently asked questions
Is Antioch Baptist Church Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Antioch Baptist Church Credit Union, Inc.'s net worth ratio is 33.59%, above the 7% NCUA threshold for well capitalized.
Is Antioch Baptist Church Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Antioch Baptist Church Credit Union, Inc. is a federally insured credit union (NCUA charter 96660): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Antioch Baptist Church Credit Union, Inc.'s key safety ratios?
For Q2 2026, Antioch Baptist Church Credit Union, Inc. reports net worth 33.59%, delinquency 7.55%, ROA 0.08%, loan-to-share 16.04%.
What happens to my money if Antioch Baptist Church Credit Union, Inc. fails?
For Q2 2026, Antioch Baptist Church Credit Union, Inc. held $1.8M in shares and deposits for 754 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.