TellerScore

Cardinal Credit Union, Inc. (NCUA charter #68707) is based in Mentor, Ohio. Its Q2 2026 call report shows $365.7M in total assets and $325.6M in member shares and deposits and 13 offices.

Based on its Q2 2026 filing, Cardinal Credit Union, Inc. scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 160th. Its strongest component is problem-loan coverage (83/100; 8.3%), and its lowest is earnings (33/100; 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 10.00%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.11%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity76/100
Loans ÷ shares: 84.4% · 3.3% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (61 → 57), mostly because the loan quality component weakened by 12 points.

TellerScore
576266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202464
Q4 202462
Q1 202562
Q2 202561
Q3 202558
Q4 202558
Q1 202660
Q2 202657
Net worth ratio
7.00%9.38%11.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.75%
Q3 202411.67%
Q4 202411.37%
Q1 202510.84%
Q2 202510.69%
Q3 202510.70%
Q4 202510.04%
Q1 202610.18%
Q2 202610.00%
Delinquent loans (60+ days)
0.59%0.85%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.79%
Q4 20240.64%
Q1 20250.63%
Q2 20250.74%
Q3 20251.05%
Q4 20250.86%
Q1 20260.78%
Q2 20261.11%
Return on assets
0.01%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.09%
Q4 20240.01%
Q1 20250.10%
Q2 20250.11%
Q3 20250.12%
Q4 20250.10%
Q1 20260.12%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$365.7M10.00%1.11%0.32%84.4%
Q1 202660$354.3M10.18%0.78%0.12%83.6%
Q4 202558$358.5M10.04%0.86%0.10%84.2%
Q3 202558$335.8M10.70%1.05%0.12%84.3%
Q2 202561$334.8M10.69%0.74%0.11%85.0%
Q1 202562$329.4M10.84%0.63%0.10%86.4%
Q4 202462$313.3M11.37%0.64%0.01%91.6%
Q3 202464$306.8M11.67%0.79%0.09%85.4%
Q2 202466$304.3M11.75%0.59%0.10%85.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.00%
29th
Problem loans1.11%
25th
Net charge-offs0.23%
67th
Return on assets0.32%
19th
Loans to deposits84.4%
30th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio8.3%
19th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Ih Credit Union, Inc.Credit union Springfield, OH74 out of 100, Strong$362.7M16.0%1.70%vs
Firefighters Community Credit UnionCredit union Cleveland, OH65 out of 100, Moderate$358.6M9.8%0.61%vs
Pse Credit Union, Inc.Credit union Parma, OH72 out of 100, Strong$352.5M11.1%0.61%vs
Myusa Credit UnionCredit union Middletown, OH64 out of 100, Moderate$351.2M14.2%2.34%vs
Fremont Federal Credit UnionCredit union Fremont, OH74 out of 100, Strong$391.4M12.7%0.86%vs
Genfed Financial Credit UnionCredit union Akron, OH79 out of 100, Strong$335.9M16.8%1.38%vs

Deposit insurance

Is my money safe at Cardinal Credit Union, Inc.?

Yes. Cardinal Credit Union, Inc. is a federally insured credit union (NCUA charter #68707). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.3% of shares and deposits ($10.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

13 locations

Branches

Cardinal Credit Union, Inc. lists 13 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cardinal Credit Union, Inc. reported 344 home-loan applications under HMDA (LEI 549300BY8DZPEK4ZR022): 127 originated ($17,065,000 total), 53 denied, and 162 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cardinal Credit Union, Inc.
Type
Federally insured state-chartered credit union
NCUA charter #
68707
RSSD ID
667195
Primary regulator
State + NCUA
Headquarters
8500 Westport Dr, Mentor, OH 44060
Employees
76

Quick answers

Cardinal Credit Union, Inc.: common questions

Is Cardinal Credit Union, Inc. NCUA insured?

Yes. Cardinal Credit Union, Inc. is a federally insured credit union (NCUA charter #68707). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Cardinal Credit Union, Inc.'s TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Cardinal Credit Union, Inc. have?

13 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mentor

InstitutionScoreAssetsCapitalProblem loansCompare
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs
Solon/Chagrin Falls Federal Credit UnionCredit union Solon, OH90 out of 100, Very strong$9.6M19.8%0.04%vs
Acme Federal Credit UnionCredit union Eastlake, OH88 out of 100, Very strong$15.2M18.9%0.18%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
Fasson Employees Federal Credit UnionCredit union Painesville, OH87 out of 100, Very strong$14.1M20.6%0.42%vs
Lakeview Federal Credit UnionCredit union Ashtabula, OH85 out of 100, Very strong$155.1M13.0%0.26%vs