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Theory
PAINESVILLE, OH · NCUA Charter #24545 · Federal charter · Chartered 1995
Total assets
$38.44M
Shares & deposits
$36.01M
Total loans
$19.25M
Members
3,505
Net worth
$3.33M
Branches
3
Rank: #2,632 of 4,299 U.S. credit unions by assets · #121 of 192 in Ohio. Assets changed 3.9% and membership 1.4% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 8.65% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 1.69% |
| Loans to shares & deposits | 53.5% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $35.19M | $34.19M | $0 | $2.41M |
| Jun 2023 | $34.11M | $33.37M | $0 | $2.64M |
| Jun 2024 | $33.07M | $31.62M | $0 | $2.89M |
| Jun 2025 | $37.01M | $34.94M | $0 | $3.17M |
| Jun 2026 | $38.44M | $36.01M | $0 | $3.33M |
Branch footprint
| State | Branches |
|---|---|
| Ohio | 3 |
Similar-sized credit unions
Lauderdale County Teachers ($38.46M) · Austin ($38.43M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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