Credit Union Safety Analysis
Is L E O Credit Union Safe? Painesville, Ohio
Based on its Q2 2026 NCUA 5300 call report, L E O Credit Union has a net worth ratio of 24.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 7.96%, 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, L E O Credit Union's net worth ratio is 24.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.61%
- Delinquency ratio (60+ days) (Q2 2026): 7.96%
- Return on assets (Q2 2026): 0.36%
- Loan-to-share ratio (Q2 2026): 45.32%
L E O Credit Union (NCUA charter 66329, established 1985) reported $10.4M in assets and 1,514 members for Q2 2026 from Painesville, Ohio. It ranks 167 of 191 credit unions in Ohio by total assets. Total assets fell 5.3% from $11.0M on June 30, 2025. It has 57 fewer members than on June 30, 2025 (-3.6%). Its net worth ratio was up 1.07 percentage points from 23.54% on June 30, 2025. Used vehicle loans are its largest loan category, $1.9M of $3.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 7.96% 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: 24.42% for Q1 2026; 23.54% 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: 6.16% for Q1 2026; 5.36% 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; 0.72% 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: 46.85% for Q1 2026; 45.10% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.9M
- New vehicle loans: $660K
- Unsecured credit card loans: $582K
- Other unsecured loans and lines of credit: $246K
- Other secured non-real estate loans and lines of credit: $196K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.4M | 24.61% | 7.96% | 0.36% | 45.32% |
| March 31, 2026 | $10.4M | 24.42% | 6.16% | -1.82% | 46.85% |
| December 31, 2025 | $10.2M | 25.31% | 6.77% | 0.29% | 50.62% |
| September 30, 2025 | $10.5M | 26.31% | 5.68% | -0.08% | 47.92% |
| June 30, 2025 | $11.0M | 23.54% | 5.36% | 0.72% | 45.10% |
| March 31, 2025 | $11.0M | 23.86% | 2.93% | 0.98% | 44.70% |
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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.
Regulator records: NCUA credit union profile (charter 66329) · FFIEC NIC profile (RSSD 778091)
Frequently asked questions
Is L E O Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, L E O Credit Union's net worth ratio is 24.61%, above the 7% NCUA threshold for well capitalized.
Is L E O Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. L E O Credit Union is a federally insured credit union (NCUA charter 66329): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are L E O Credit Union's key safety ratios?
For Q2 2026, L E O Credit Union reports net worth 24.61%, delinquency 7.96%, ROA 0.36%, loan-to-share 45.32%.
What happens to my money if L E O Credit Union fails?
For Q2 2026, L E O Credit Union held $7.9M in shares and deposits for 1,514 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.