Credit Union Safety Analysis
Is Solon/Chagrin Falls Federal Credit Union Safe? Solon, Ohio
Based on its Q2 2026 NCUA 5300 call report, Solon/Chagrin Falls Federal Credit Union has a net worth ratio of 19.79%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.04%, 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, Solon/Chagrin Falls Federal Credit Union's net worth ratio is 19.79%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.79%
- Delinquency ratio (60+ days) (Q2 2026): 0.04%
- Return on assets (Q2 2026): 0.80%
- Loan-to-share ratio (Q2 2026): 41.89%
Solon/Chagrin Falls Federal Credit Union (NCUA charter 15451, established 1963) reported $9.6M in assets and 597 members for Q2 2026 from Solon, Ohio. It ranks 168 of 191 credit unions in Ohio by total assets. Total assets fell 1.4% from $9.8M on June 30, 2025. It has 61 fewer members than on June 30, 2025 (-9.3%). Its net worth ratio was up 1.09 percentage points from 18.70% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.5M of $3.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.04% 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: 19.47% for Q1 2026; 18.70% 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: 0.05% for Q1 2026 .
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: 0.79% for Q1 2026; 0.96% 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: 39.16% for Q1 2026; 40.67% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.5M
- Used vehicle loans: $307K
- New vehicle loans: $246K
- Other unsecured loans and lines of credit: $113K
- Other secured non-real estate loans and lines of credit: $60K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.6M | 19.79% | 0.04% | 0.80% | 41.89% |
| March 31, 2026 | $9.7M | 19.47% | 0.05% | 0.79% | 39.16% |
| December 31, 2025 | $9.6M | 19.50% | — | 0.81% | 40.81% |
| September 30, 2025 | $9.5M | 19.44% | — | 0.98% | 42.34% |
| June 30, 2025 | $9.8M | 18.70% | — | 0.96% | 40.67% |
| March 31, 2025 | $9.9M | 18.23% | — | 0.80% | 40.80% |
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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.
Solon/Chagrin Falls Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 15451) · FFIEC NIC profile (RSSD 281489)
Frequently asked questions
Is Solon/Chagrin Falls Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Solon/Chagrin Falls Federal Credit Union's net worth ratio is 19.79%, above the 7% NCUA threshold for well capitalized.
Is Solon/Chagrin Falls Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Solon/Chagrin Falls Federal Credit Union is a federally insured credit union (NCUA charter 15451): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Solon/Chagrin Falls Federal Credit Union's key safety ratios?
For Q2 2026, Solon/Chagrin Falls Federal Credit Union reports net worth 19.79%, delinquency 0.04%, ROA 0.80%, loan-to-share 41.89%.
What happens to my money if Solon/Chagrin Falls Federal Credit Union fails?
For Q2 2026, Solon/Chagrin Falls Federal Credit Union held $7.7M in shares and deposits for 597 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.