Credit Union Safety Analysis
Is Shaker Heights Federal Credit Union Safe? Shaker Heights, Ohio
Based on its Q2 2026 NCUA 5300 call report, Shaker Heights Federal Credit Union has a net worth ratio of 24.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 15.96%, 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, Shaker Heights Federal Credit Union's net worth ratio is 24.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.32%
- Delinquency ratio (60+ days) (Q2 2026): 15.96%
- Return on assets (Q2 2026): 0.02%
- Loan-to-share ratio (Q2 2026): 50.45%
Shaker Heights Federal Credit Union (NCUA charter 3787, established 1940) reported $1.2M in assets and 131 members for Q2 2026 from Shaker Heights, Ohio. It ranks 186 of 191 credit unions in Ohio by total assets. Total assets fell 4.7% from $1.3M on June 30, 2025. It has 10 fewer members than on June 30, 2025 (-7.1%). Its net worth ratio was up 1.14 percentage points from 23.18% on June 30, 2025. Used vehicle loans are its largest loan category, $223K of $460K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 15.96% 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: 23.73% for Q1 2026; 23.18% 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: 19.51% for Q1 2026; 14.42% 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: 0.01% for Q1 2026; 0.02% 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: 42.26% for Q1 2026; 51.94% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $223K
- New vehicle loans: $173K
- Other secured non-real estate loans and lines of credit: $50K
- Other unsecured loans and lines of credit: $14K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.2M | 24.32% | 15.96% | 0.02% | 50.45% |
| March 31, 2026 | $1.2M | 23.73% | 19.51% | 0.01% | 42.26% |
| December 31, 2025 | $1.2M | 23.83% | 17.09% | 0.01% | 45.68% |
| September 30, 2025 | $1.2M | 23.66% | 14.90% | 0.01% | 50.34% |
| June 30, 2025 | $1.3M | 23.18% | 14.42% | 0.02% | 51.94% |
| March 31, 2025 | $1.3M | 23.19% | 15.11% | 0.02% | 51.19% |
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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.
Shaker Heights Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 3787) · FFIEC NIC profile (RSSD 468879)
Frequently asked questions
Is Shaker Heights Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Shaker Heights Federal Credit Union's net worth ratio is 24.32%, above the 7% NCUA threshold for well capitalized.
Is Shaker Heights Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Shaker Heights Federal Credit Union is a federally insured credit union (NCUA charter 3787): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Shaker Heights Federal Credit Union's key safety ratios?
For Q2 2026, Shaker Heights Federal Credit Union reports net worth 24.32%, delinquency 15.96%, ROA 0.02%, loan-to-share 50.45%.
What happens to my money if Shaker Heights Federal Credit Union fails?
For Q2 2026, Shaker Heights Federal Credit Union held $912K in shares and deposits for 131 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.