TellerScore

Commodore Perry Federal Credit Union (NCUA charter #21873) is based in Oak Harbor, Ohio. Its Q2 2026 call report shows $102.3M in total assets and $87.0M in member shares and deposits and 2 offices.

Commodore Perry Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 180th. Funding & liquidity contributes the most (80/100, 81% loans-to-deposits, 5% uninsured); earnings contributes the least (31/100, 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.21%
Loan quality39/100
Loans 60+ days delinquent ÷ total loans: 1.82%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity80/100
Loans ÷ shares: 80.5% · 4.6% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.19%

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 16 points (67 → 51), mostly because the loan quality component weakened by 52 points.

TellerScore
516272Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202458
Q4 202462
Q1 202568
Q2 202567
Q3 202564
Q4 202560
Q1 202672
Q2 202651
Net worth ratio
7.00%8.99%10.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.81%
Q3 202410.98%
Q4 202410.55%
Q1 202510.24%
Q2 202510.18%
Q3 202510.07%
Q4 202510.27%
Q1 202610.24%
Q2 202610.21%
Delinquent loans (60+ days)
0.12%0.97%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.81%
Q3 20241.56%
Q4 20241.06%
Q1 20250.12%
Q2 20250.26%
Q3 20250.64%
Q4 20251.06%
Q1 20260.24%
Q2 20261.82%
Return on assets
0.21%0.57%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.75%
Q3 20240.49%
Q4 20240.61%
Q1 20250.21%
Q2 20250.44%
Q3 20250.49%
Q4 20250.48%
Q1 20260.92%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$102.3M10.21%1.82%0.28%80.5%
Q1 202672$103.0M10.24%0.24%0.92%79.2%
Q4 202560$101.1M10.27%1.06%0.48%83.5%
Q3 202564$101.9M10.07%0.64%0.49%80.5%
Q2 202567$99.3M10.18%0.26%0.44%82.5%
Q1 202568$97.1M10.24%0.12%0.21%78.7%
Q4 202462$94.5M10.55%1.06%0.61%82.6%
Q3 202458$88.5M10.98%1.56%0.49%81.3%
Q2 202467$90.0M10.81%0.81%0.75%79.8%

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 ratio10.21%
32nd
Problem loans1.82%
8th
Net charge-offs0.46%
39th
Return on assets0.28%
16th
Loans to deposits80.5%
39th
Uninsured deposits4.6%
65th
Loan-loss reserves0.00%
50th
Texas ratio12.2%
9th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Community Star Credit UnionCredit union Elyria, OH67 out of 100, Moderate$102.7M9.7%0.55%vs
Golden Circle Credit UnionCredit union Massillon, OH66 out of 100, Moderate$107.3M15.6%2.24%vs
Bay Area Credit UnionCredit union Oregon, OH68 out of 100, Moderate$107.9M11.6%1.21%vs
Ohio Healthcare Federal Credit UnionCredit union Dublin, OH61 out of 100, Moderate$108.2M9.7%0.72%vs
Friends and Family Credit Union IncCredit union Massillon, OH59 out of 100, Moderate$111.0M8.1%0.32%vs
Riverview Federal Credit UnionCredit union Belpre, OH56 out of 100, Moderate$113.4M9.1%1.54%vs

Deposit insurance

Is my money safe at Commodore Perry Federal Credit Union?

Yes. Commodore Perry Federal Credit Union is a federally insured credit union (NCUA charter #21873). 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 4.6% of shares and deposits ($4.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Commodore Perry Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Commodore Perry Federal Credit Union
Type
Federal credit union
NCUA charter #
21873
RSSD ID
239480
Primary regulator
NCUA
Established
1975
Headquarters
1016 S State Route 19, Oak Harbor, OH 43449
Employees
33

Quick answers

Commodore Perry Federal Credit Union: common questions

Is Commodore Perry Federal Credit Union NCUA insured?

Yes. Commodore Perry Federal Credit Union is a federally insured credit union (NCUA charter #21873). 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 Commodore Perry Federal Credit Union's TellerScore?

51 out of 100 (Below average), 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 Commodore Perry Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oak Harbor

InstitutionScoreAssetsCapitalProblem loansCompare
Materion Federal Credit UnionCredit union Elmore, OH87 out of 100, Very strong$38.9M14.7%0.00%vs
Parish Federal Credit UnionCredit union Toledo, OH87 out of 100, Very strong$24.0M11.8%0.06%vs
Local 50 Plumbers & Steamftrs Federal Credit UnionCredit union Northwood, OH80 out of 100, Strong$11.6M15.4%1.54%vs
Glass City Federal Credit UnionCredit union Maumee, OH78 out of 100, Strong$326.1M11.3%0.22%vs
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs
Fremont Federal Credit UnionCredit union Fremont, OH74 out of 100, Strong$391.4M12.7%0.86%vs