Cardinal Credit Union, Inc. Mentor, Ohio
Cardinal Credit Union, Inc. is a state-chartered credit union headquartered in Mentor, OH (NCUA charter 68707), and it is regulated and insured by the NCUA. At Q2 2026 it reported 24,257 members and total assets of $365.7M (up 9.2% from Q2 2025), the 27th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 10.00% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68707
- Headquarters
- Mentor, OH
- Established
- Not reported
- Total assets, Q2 2026
- $365.7M
- Assets vs Q2 2025
- +9.2%
- Members, Q2 2026
- 24,257
- Net worth ratio, Q2 2026
- 10.00%
- Latest call report
- Q2 2026, NCUA 5300 · Cardinal Credit Union, Inc. call report
- Asset rank in state
- 27th of 191 in Ohio
- Routing number
- 241280430
- Branches
- 13
It has 452 more members than on June 30, 2025 (+1.9%). Its net worth ratio was down 0.69 percentage points from 10.69% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $104.8M of $274.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.11% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.00% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Ohio
Credit unions merged into Cardinal Credit Union, Inc.
Noteworthy Federal Credit Union (2026) · Distinguished Service Credit Union, Inc. (2017) · Erie Shores Community Federal Credit Union (2016) · Youngstown Ohio City Employees Federal Credit Union (2016) · Edison Financial Credit Union, Incorporated (2016) · Tri-County Credit Union, Inc. (2015)
Frequently asked about Cardinal Credit Union, Inc.
How big is Cardinal Credit Union, Inc.?
At Q2 2026 it reported total assets of $365.7M and 24,257 members.
Where is Cardinal Credit Union, Inc. headquartered?
It is headquartered in Mentor, OH, United States.
Is Cardinal Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68707): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Cardinal Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Cardinal Credit Union, Inc. well capitalized?
Its net worth ratio was 10.00% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Cardinal Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 1.11% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Cardinal Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 84.44% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mentor, OH 44060
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 68707
- RSSD ID
- 667195
- Members
- 24,257
- Potential members
- 500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.00% | 11.43% | 28th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.53% | 0.81% | 31st below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 5.27% | 7.02% | 36th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.42% | 3.70% | 33rd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 84.09% | 76.55% | 24th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.39% | 1.24% | 38th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.11% | 0.68% | 26th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.81% | 4.92% | 43rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 84.44% | 75.66% | 70th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$365.7M total assets against $334.8M; $325.6M total shares and deposits against $296.3M; $274.9M total loans against $251.9M.
$36.6M net worth against $35.8M.
10.00% net worth ratio against 10.69%.
84.44% loan-to-share ratio against 85.02%.
1.11% delinquency ratio against 0.74%.
0.53% return on assets against 0.13%; 5.27% return on equity against 1.19%.
3.42% net interest margin against 3.44%.
24,257 members against 23,805.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.00% | 0.53% | 1.11% | 84.44% |
| March 31, 2026 | 10.18% | 0.12% | 0.78% | 83.64% |
| December 31, 2025 | 10.04% | 0.07% | 0.86% | 84.20% |
| September 30, 2025 | 10.70% | 0.13% | 1.05% | 84.34% |
| June 30, 2025 | 10.69% | 0.13% | 0.74% | 85.02% |
| March 31, 2025 | 10.84% | 0.10% | 0.63% | 86.39% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.