Credit Union Safety Analysis
Is The Catholic Credit Union Safe? Avon Lake, Ohio
Based on its Q2 2026 NCUA 5300 call report, The Catholic Credit Union has a net worth ratio of 13.09%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, The Catholic Credit Union's net worth ratio is 13.09%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.09%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.68%
- Loan-to-share ratio (Q2 2026): 53.28%
The Catholic Credit Union (NCUA charter 63177, established 1956) reported $11.3M in assets and 1,253 members for Q2 2026 from Avon Lake, Ohio. It ranks 166 of 191 credit unions in Ohio by total assets. Total assets grew 3.3% from $10.9M on June 30, 2025. It has 29 fewer members than on June 30, 2025 (-2.3%). Its net worth ratio was up 0.23 percentage points from 12.86% on June 30, 2025. Used vehicle loans are its largest loan category, $2.0M of $5.2M in total loans on its June 30, 2026 filing.
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: 13.07% for Q1 2026; 12.86% 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: 0.18% for Q1 2026; 0.04% 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: 0.47% for Q1 2026; 0.51% 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: 55.26% for Q1 2026; 59.61% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.0M
- New vehicle loans: $1.3M
- 1- to 4-family residential and other consumer real estate loans: $1.1M
- Other secured non-real estate loans and lines of credit: $505K
- Unsecured credit card loans: $186K
- Other unsecured loans and lines of credit: $82K
- Commercial loans: $37K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $11.3M | 13.09% | — | 0.68% | 53.28% |
| March 31, 2026 | $11.1M | 13.07% | 0.18% | 0.47% | 55.26% |
| December 31, 2025 | $10.6M | 13.63% | 0.38% | 0.53% | 62.20% |
| September 30, 2025 | $10.6M | 13.46% | 0.04% | 0.96% | 59.98% |
| June 30, 2025 | $10.9M | 12.86% | 0.04% | 0.51% | 59.61% |
| March 31, 2025 | $10.9M | 12.76% | — | 0.49% | 57.69% |
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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.
The Catholic Credit Union profile
Regulator records: NCUA credit union profile (charter 63177) · FFIEC NIC profile (RSSD 359098)
Frequently asked questions
Is The Catholic Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, The Catholic Credit Union's net worth ratio is 13.09%, above the 7% NCUA threshold for well capitalized.
Is The Catholic Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. The Catholic Credit Union is a federally insured credit union (NCUA charter 63177): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are The Catholic Credit Union's key safety ratios?
For Q2 2026, The Catholic Credit Union reports net worth 13.09%, delinquency not reported, ROA 0.68%, loan-to-share 53.28%.
What happens to my money if The Catholic Credit Union fails?
For Q2 2026, The Catholic Credit Union held $9.7M in shares and deposits for 1,253 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.