Commodore Perry Federal Credit Union Port Clinton, Ohio
Commodore Perry Federal Credit Union is a federal credit union headquartered in Port Clinton, OH, established in 1975 (NCUA charter 21873), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,011 members and total assets of $102.3M (up 3.0% from Q2 2025), the 77th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 10.21% at Q2 2026, in the well capitalized band.
Also written as Commodore Perry FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21873
- Headquarters
- Port Clinton, OH
- Established
- 1975
- Total assets, Q2 2026
- $102.3M
- Assets vs Q2 2025
- +3.0%
- Members, Q2 2026
- 6,011
- Net worth ratio, Q2 2026
- 10.21%
- Latest call report
- Q2 2026, NCUA 5300 · Commodore Perry Federal Credit Union call report
- Asset rank in state
- 77th of 191 in Ohio
- Routing number
- 241283945
- Branches
- 3
It has 612 fewer members than on June 30, 2025 (-9.2%). Its net worth ratio was up 0.03 percentage points from 10.18% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $32.9M of $70.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.82% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.21% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Ohio
Frequently asked about Commodore Perry Federal Credit Union
How big is Commodore Perry Federal Credit Union?
At Q2 2026 it reported total assets of $102.3M and 6,011 members.
Where is Commodore Perry Federal Credit Union headquartered?
It is headquartered in Port Clinton, OH, United States.
When was Commodore Perry Federal Credit Union founded?
It was established in 1975, per NCUA records.
Is Commodore Perry Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21873): 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 Commodore Perry Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Commodore Perry Federal Credit Union well capitalized?
Its net worth ratio was 10.21% 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 Commodore Perry Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.82% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Commodore Perry Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.54% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Port Clinton, OH 43452
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1975
- NCUA Charter #
- 21873
- RSSD ID
- 239480
- Members
- 6,011
- Potential members
- 360,124
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 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.21% | 11.43% | 31st below |
| Return on assets Middle half of peers: 0.43% to 1.23% | -0.37% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -3.59% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.23% | 3.70% | 80th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 96.16% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.54% | 1.24% | 26th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.82% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.77% | 4.92% | 89th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 80.54% | 75.66% | 61st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$102.3M total assets against $99.3M; $87.0M total shares and deposits against $83.9M; $70.1M total loans against $69.2M.
$10.4M net worth against $10.1M.
10.21% net worth ratio against 10.18%.
80.54% loan-to-share ratio against 82.48%.
1.82% delinquency ratio against 0.26%.
-0.37% return on assets against 0.67%; -3.59% return on equity against 6.59%.
4.23% net interest margin against 3.66%.
6,011 members against 6,623.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.21% | -0.37% | 1.82% | 80.54% |
| March 31, 2026 | 10.24% | 0.92% | 0.24% | 79.21% |
| December 31, 2025 | 10.27% | 0.45% | 1.06% | 83.52% |
| September 30, 2025 | 10.07% | 0.61% | 0.64% | 80.54% |
| June 30, 2025 | 10.18% | 0.67% | 0.26% | 82.48% |
| March 31, 2025 | 10.24% | 0.21% | 0.12% | 78.74% |
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.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.