TellerScore

Painesville Credit Union is a federally insured state-chartered credit union headquartered in Painesville, Ohio, in business for about 84 years. At the end of Q2 2026 it reported $48.7M in total assets and $40.8M in member shares and deposits, with 1 office.

Painesville Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 40th. Capital cushion contributes the most (100/100, 15.38%); earnings contributes the least (34/100, 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.38%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity97/100
Loans ÷ shares: 63.2% · 1.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.11%

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 6 points (89 → 83), mostly because the earnings component weakened by 42 points.

TellerScore
818894Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202490
Q4 202494
Q1 202591
Q2 202589
Q3 202587
Q4 202591
Q1 202681
Q2 202683
Net worth ratio
7.00%11.62%16.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.16%
Q3 202414.42%
Q4 202415.12%
Q1 202515.10%
Q2 202515.83%
Q3 202515.68%
Q4 202516.20%
Q1 202616.24%
Q2 202615.38%
Delinquent loans (60+ days)
0.14%0.37%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.15%
Q4 20240.30%
Q1 20250.14%
Q2 20250.51%
Q3 20250.60%
Q4 20250.24%
Q1 20260.32%
Q2 20260.32%
Return on assets
0.12%0.92%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.26%
Q3 20241.31%
Q4 20241.72%
Q1 20251.16%
Q2 20251.39%
Q3 20251.21%
Q4 20251.27%
Q1 20260.12%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$48.7M15.38%0.32%0.35%63.2%
Q1 202681$45.7M16.24%0.32%0.12%68.0%
Q4 202591$45.8M16.20%0.24%1.27%69.8%
Q3 202587$46.2M15.68%0.60%1.21%66.7%
Q2 202589$45.1M15.83%0.51%1.39%68.1%
Q1 202591$46.1M15.10%0.14%1.16%65.8%
Q4 202494$45.2M15.12%0.30%1.72%69.0%
Q3 202490$45.0M14.42%0.15%1.31%68.1%
Q2 202489$44.8M14.16%0.22%1.26%67.4%

2,479 peers · Under $100 million in assets

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 ratio15.38%
57th
Problem loans0.32%
67th
Net charge-offs0.18%
49th
Return on assets0.35%
34th
Loans to deposits63.2%
43rd
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Firstenergy Family Credit UnionCredit union Akron, OH93 out of 100, Very strong$47.2M16.5%0.53%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
All Saints Federal Credit UnionCredit union Parma, OH80 out of 100, Strong$45.4M19.4%1.08%vs
First Ohio Community Federal Credit UnionCredit union North Canton, OH77 out of 100, Strong$45.2M10.7%0.00%vs
New Horizon Federal Credit UnionCredit union Barberton, OH82 out of 100, Strong$44.9M13.2%0.17%vs

Deposit insurance

Is my money safe at Painesville Credit Union?

Yes. Painesville Credit Union is a federally insured credit union (NCUA charter #63679). 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 1.4% of shares and deposits ($583K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.38%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Painesville Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Painesville Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63679
RSSD ID
947392
Primary regulator
State + NCUA
Established
1942
Headquarters
280 N Saint Clair St, Painesville, OH 44077
Employees
14

Quick answers

Painesville Credit Union: common questions

Is Painesville Credit Union NCUA insured?

Yes. Painesville Credit Union is a federally insured credit union (NCUA charter #63679). 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 Painesville Credit Union's TellerScore?

83 out of 100 (Strong), 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 Painesville Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Painesville

InstitutionScoreAssetsCapitalProblem loansCompare
Acme Federal Credit UnionCredit union Eastlake, OH88 out of 100, Very strong$15.2M18.9%0.18%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
Oc Federal Credit UnionCredit union Garfield Hts, OH81 out of 100, Strong$314.9M13.5%0.17%vs
St. Paschal Baylons Federal Credit UnionCredit union Highland Height, OH79 out of 100, Strong$5.9M12.7%0.00%vs
Best Reward Federal Credit UnionCredit union Brook Park, OH76 out of 100, Strong$163.4M15.5%1.56%vs