TellerScore

Unity Catholic Federal Credit Union is a federal credit union headquartered in Parma, Ohio, in business for about 84 years. At the end of Q2 2026 it reported $98.0M in total assets and $88.5M in member shares and deposits, with 2 offices.

Unity Catholic Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 157th. Funding & liquidity contributes the most (89/100, 71% loans-to-deposits, 0% uninsured); earnings contributes the least (37/100, 0.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.09%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 0.98%
Earnings37/100
Return on assets (annualized): 0.42%
Funding & liquidity89/100
Loans ÷ shares: 71.2% · 0.0% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.90%

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 rose 2 points (56 → 58), mostly because the capital cushion component improved by 3 points.

TellerScore
515558Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202456
Q4 202456
Q1 202555
Q2 202556
Q3 202554
Q4 202551
Q1 202652
Q2 202658
Net worth ratio
7.00%8.04%9.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.66%
Q3 20248.91%
Q4 20248.76%
Q1 20258.72%
Q2 20258.80%
Q3 20258.98%
Q4 20258.79%
Q1 20268.90%
Q2 20269.09%
Delinquent loans (60+ days)
0.65%1.17%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.98%
Q4 20241.00%
Q1 20250.84%
Q2 20251.05%
Q3 20251.43%
Q4 20251.69%
Q1 20261.52%
Q2 20260.98%
Return on assets
-0.04%0.22%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.25%
Q4 20240.20%
Q1 2025-0.04%
Q2 20250.36%
Q3 20250.48%
Q4 20250.42%
Q1 20260.31%
Q2 20260.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$98.0M9.09%0.98%0.42%71.2%
Q1 202652$98.7M8.90%1.52%0.31%69.6%
Q4 202551$99.0M8.79%1.69%0.42%70.7%
Q3 202554$96.4M8.98%1.43%0.48%72.7%
Q2 202556$96.5M8.80%1.05%0.36%71.4%
Q1 202555$95.2M8.72%0.84%-0.04%70.3%
Q4 202456$94.9M8.76%1.00%0.20%69.4%
Q3 202456$93.4M8.91%0.98%0.25%71.5%
Q2 202458$94.9M8.66%0.65%0.13%70.8%

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 ratio9.09%
9th
Problem loans0.98%
40th
Net charge-offs0.80%
18th
Return on assets0.42%
38th
Loans to deposits71.2%
31st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio6.9%
21st

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State Highway Patrol Federal Credit UnionCredit union Columbus, OH88 out of 100, Very strong$92.2M13.5%0.06%vs
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Your Legacy Federal Credit UnionCredit union Tiffin, OH64 out of 100, Moderate$79.1M10.2%1.06%vs

Deposit insurance

Is my money safe at Unity Catholic Federal Credit Union?

Yes. Unity Catholic Federal Credit Union is a federally insured credit union (NCUA charter #4966). 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 9.09%, 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

Unity Catholic Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Unity Catholic Federal Credit Union reported 115 home-loan applications under HMDA (LEI 254900II3J6G6WWO1O83): 95 originated ($6,705,000 total), 0 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Unity Catholic Federal Credit Union
Type
Federal credit union
NCUA charter #
4966
RSSD ID
156774
Primary regulator
NCUA
Established
1942
Headquarters
5839 Ridge Road, Parma, OH 44129
Employees
26

Quick answers

Unity Catholic Federal Credit Union: common questions

Is Unity Catholic Federal Credit Union NCUA insured?

Yes. Unity Catholic Federal Credit Union is a federally insured credit union (NCUA charter #4966). 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 Unity Catholic Federal Credit Union's TellerScore?

58 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 Unity Catholic Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Parma

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
Lormet Community Federal Credit UnionCredit union Amherst, OH91 out of 100, Very strong$283.3M13.7%0.15%vs
Solon/Chagrin Falls Federal Credit UnionCredit union Solon, OH90 out of 100, Very strong$9.6M19.8%0.04%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