Credit Union Safety Analysis
Is Painesville Credit Union Safe? Painesville, Ohio
Based on its Q2 2026 NCUA 5300 call report, Painesville Credit Union has a net worth ratio of 15.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, 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, Painesville Credit Union's net worth ratio is 15.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.59%
- Loan-to-share ratio (Q2 2026): 63.19%
Painesville Credit Union (NCUA charter 63679, established 1942) reported $48.7M in assets and 5,864 members for Q2 2026 from Painesville, Ohio. It ranks 106 of 191 credit unions in Ohio by total assets. Total assets grew 7.9% from $45.1M on June 30, 2025. It has 134 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was down 0.45 percentage points from 15.83% on June 30, 2025. Used vehicle loans are its largest loan category, $14.3M of $25.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% 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: 16.24% for Q1 2026; 15.83% 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: 0.32% for Q1 2026; 0.51% 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: 0.12% for Q1 2026; 1.59% 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: 68.04% for Q1 2026; 68.11% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $14.3M
- New vehicle loans: $5.4M
- 1- to 4-family residential and other consumer real estate loans: $3.2M
- Other secured non-real estate loans and lines of credit: $1.4M
- Other unsecured loans and lines of credit: $901K
- Unsecured credit card loans: $550K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $48.7M | 15.38% | 0.32% | 0.59% | 63.19% |
| March 31, 2026 | $45.7M | 16.24% | 0.32% | 0.12% | 68.04% |
| December 31, 2025 | $45.8M | 16.20% | 0.24% | 1.42% | 69.80% |
| September 30, 2025 | $46.2M | 15.68% | 0.60% | 0.91% | 66.72% |
| June 30, 2025 | $45.1M | 15.83% | 0.51% | 1.59% | 68.11% |
| March 31, 2025 | $46.1M | 15.10% | 0.14% | 1.16% | 65.75% |
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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.
Painesville Credit Union profile
Regulator records: NCUA credit union profile (charter 63679) · FFIEC NIC profile (RSSD 947392)
Frequently asked questions
Is Painesville Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Painesville Credit Union's net worth ratio is 15.38%, above the 7% NCUA threshold for well capitalized.
Is Painesville Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Painesville Credit Union is a federally insured credit union (NCUA charter 63679): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Painesville Credit Union's key safety ratios?
For Q2 2026, Painesville Credit Union reports net worth 15.38%, delinquency 0.32%, ROA 0.59%, loan-to-share 63.19%.
What happens to my money if Painesville Credit Union fails?
For Q2 2026, Painesville Credit Union held $40.8M in shares and deposits for 5,864 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.