TellerScore

Shaker Heights Federal Credit Union (NCUA charter #3787) is based in Shaker Heights, Ohio. Its Q2 2026 call report shows $1.2M in total assets and $912K in member shares and deposits and 1 office.

Shaker Heights Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 13% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 173rd. Capital cushion contributes the most (100/100, 24.32%); loan quality contributes the least (0/100, 15.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.32%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 15.96%
Earnings20/100
Return on assets (annualized): 0.01%
Funding & liquidity100/100
Loans ÷ shares: 50.5% · 0.0% uninsured
Problem-loan coverage53/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 23.31%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (55 → 54).

TellerScore
535556Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202453
Q4 202453
Q1 202554
Q2 202555
Q3 202555
Q4 202554
Q1 202654
Q2 202654
Net worth ratio
7.00%15.66%24.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.63%
Q3 202422.68%
Q4 202423.02%
Q1 202523.19%
Q2 202523.18%
Q3 202523.66%
Q4 202523.83%
Q1 202623.73%
Q2 202624.32%
Delinquent loans (60+ days)
8.37%13.94%19.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20248.37%
Q3 202416.16%
Q4 202417.37%
Q1 202515.11%
Q2 202514.42%
Q3 202514.90%
Q4 202517.09%
Q1 202619.51%
Q2 202615.96%
Return on assets
0.01%0.04%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.07%
Q3 20240.05%
Q4 20240.04%
Q1 20250.02%
Q2 20250.02%
Q3 20250.01%
Q4 20250.01%
Q1 20260.01%
Q2 20260.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$1.2M24.32%15.96%0.01%50.5%
Q1 202654$1.2M23.73%19.51%0.01%42.3%
Q4 202554$1.2M23.83%17.09%0.01%45.7%
Q3 202555$1.2M23.66%14.90%0.01%50.3%
Q2 202555$1.3M23.18%14.42%0.02%51.9%
Q1 202554$1.3M23.19%15.11%0.02%51.2%
Q4 202453$1.3M23.02%17.37%0.04%56.9%
Q3 202453$1.3M22.68%16.16%0.05%59.8%
Q2 202456$1.3M22.63%8.37%0.07%63.8%

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 ratio24.32%
88th
Problem loans15.96%
1st
Net charge-offs0.00%
77th
Return on assets0.01%
20th
Loans to deposits50.5%
63rd
Uninsured deposits0.0%
81st
Loan-loss reserves4.63%
96th
Texas ratio23.3%
4th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Ibew 141 Federal Credit UnionCredit union Saint Clairsvil, OH90 out of 100, Very strong$1.3M19.6%0.00%vs
540 I.B.E.W. Credit UnionCredit union Massillon, OH58 out of 100, Moderate$1.5M11.6%2.24%vs
Mahoning Valley Federal Credit UnionCredit union Youngstown, OH50 out of 100, Below average$376K10.2%1.80%vs
Cleveland Church of Christ Federal Credit UnionCredit union Cleveland, OH68 out of 100, Moderate$365K11.9%0.36%vs
Wright-Dunbar Area Credit UnionCredit union Dayton, OH54 out of 100, Below average$360K18.5%24.93%vs
M G Employees Federal Credit UnionCredit union Marysville, OH89 out of 100, Very strong$2.1M37.0%0.00%vs

Deposit insurance

Is my money safe at Shaker Heights Federal Credit Union?

Yes. Shaker Heights Federal Credit Union is a federally insured credit union (NCUA charter #3787). 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 0.0% of shares and deposits ($0) 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 24.32%, 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

Shaker Heights Federal Credit Union lists 1 office in 1 city. Most locations:

  • Shaker Heights, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Shaker Heights Federal Credit Union
Type
Federal credit union
NCUA charter #
3787
RSSD ID
468879
Primary regulator
NCUA
Established
1940
Headquarters
3400 Lee Rd, Shaker Heights, OH 44120
Employees
1

Quick answers

Shaker Heights Federal Credit Union: common questions

Is Shaker Heights Federal Credit Union NCUA insured?

Yes. Shaker Heights Federal Credit Union is a federally insured credit union (NCUA charter #3787). 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 Shaker Heights Federal Credit Union's TellerScore?

54 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 Shaker Heights Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Shaker Heights

InstitutionScoreAssetsCapitalProblem loansCompare
Credit First National AssociationBank Brook Park, OH94 out of 100, Very strong$39.8M98.3%0.00%vs
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
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs