Credit Union Safety Analysis
Is Cleveland Church of Christ Federal Credit Union Safe? Cleveland, Ohio
Based on its Q2 2026 NCUA 5300 call report, Cleveland Church of Christ Federal Credit Union has a net worth ratio of 11.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.36%, 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, Cleveland Church of Christ Federal Credit Union's net worth ratio is 11.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.89%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): -1.04%
- Loan-to-share ratio (Q2 2026): 26.95%
Cleveland Church of Christ Federal Credit Union (NCUA charter 22151, established 1975) reported $365K in assets and 330 members for Q2 2026 from Cleveland, Ohio. It ranks 188 of 191 credit unions in Ohio by total assets. Total assets fell 7.6% from $395K on June 30, 2025. It has 37 fewer members than on June 30, 2025 (-10.1%). Its net worth ratio was up 0.70 percentage points from 11.19% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $86K of $88K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% is below 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: 12.26% for Q1 2026; 11.19% 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: 0.37% for Q1 2026; 3.55% 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: -0.27% for Q1 2026; -2.48% 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: 19.13% for Q1 2026; 17.47% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $86K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $365K | 11.89% | 0.36% | -1.04% | 26.95% |
| March 31, 2026 | $362K | 12.26% | 0.37% | -0.27% | 19.13% |
| December 31, 2025 | $362K | 12.32% | 1.38% | -0.47% | 18.22% |
| September 30, 2025 | $381K | 11.84% | 3.05% | 0.88% | 17.36% |
| June 30, 2025 | $395K | 11.19% | 3.55% | -2.48% | 17.47% |
| March 31, 2025 | $424K | 11.25% | 0.73% | -1.37% | 16.33% |
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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.
Cleveland Church of Christ Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22151) · FFIEC NIC profile (RSSD 979982)
Frequently asked questions
Is Cleveland Church of Christ Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cleveland Church of Christ Federal Credit Union's net worth ratio is 11.89%, above the 7% NCUA threshold for well capitalized.
Is Cleveland Church of Christ Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cleveland Church of Christ Federal Credit Union is a federally insured credit union (NCUA charter 22151): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cleveland Church of Christ Federal Credit Union's key safety ratios?
For Q2 2026, Cleveland Church of Christ Federal Credit Union reports net worth 11.89%, delinquency 0.36%, ROA -1.04%, loan-to-share 26.95%.
What happens to my money if Cleveland Church of Christ Federal Credit Union fails?
For Q2 2026, Cleveland Church of Christ Federal Credit Union held $326K in shares and deposits for 330 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.