Institution Profile
Address: 340 GRISWOLD RD ELYRIA, OH 44035
(440) 324-3400
Website:
NCUA Profile:
Charter Date:
1/1/1958
Charter Type:
State
Branches:
3
Branches by Region
OH 3
Financial Overview
Total Assets
$194.30M
Total Deposits
$175.38M
Total Loans
$77.32M
Members
11,204
Employees
42 41 Full-time / 1 Part-time
Allowance for Loan Losses
$590,705
Performance Ratios
Net Worth Ratio
11.81%
Loan-to-Deposit Ratio
44.09%
Coverage Ratio
0.76% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +19.01% Total Deposits: +22.31% Total Loans: +35.01% since 2020 Q1
Member Growth
Member Growth
Members: -9.62% since 2020 Q1
Employee Growth
Employee Growth
Employees: -2.33% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
1,276
Amount This Year (YTD)
$32.85M
Number of Loans per Quarter
Loans Granted: -19.42% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +70.65% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$28.45M 36.8%
HELOCs
$15.28M 19.8%
New Vehicle
$13.39M 17.3%
Credit Card
$6.47M 8.4%
1st Mortgages
$6.16M 8.0%
Other Secured
$6.01M 7.8%
Other Unsecured
$1.57M 2.0%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 11,204 | $194.30M | $175.38M | $77.32M | 42 |
| 2025 Q3 | 11,187 | $189.98M | $171.74M | $77.52M | 43 |
| 2025 Q2 | 11,152 | $188.02M | $171.15M | $74.32M | 42 |
| 2025 Q1 | 11,117 | $182.73M | $166.22M | $71.23M | 44 |
| 2024 Q4 | 11,039 | $175.76M | $160.35M | $68.43M | 43 |
| 2024 Q3 | 11,005 | $173.42M | $156.94M | $66.45M | 44 |
| 2024 Q2 | 11,039 | $171.51M | $156.89M | $66.50M | 43 |
| 2024 Q1 | 11,039 | $170.41M | $156.54M | $66.48M | 41 |
| 2023 Q4 | 11,099 | $167.37M | $153.92M | $67.00M | 45 |
| 2023 Q3 | 11,234 | $165.50M | $153.64M | $65.91M | 42 |
| 2023 Q2 | 11,234 | $167.00M | $154.33M | $66.11M | 44 |
| 2023 Q1 | 11,272 | $172.51M | $159.77M | $65.78M | 43 |
| 2022 Q4 | 11,649 | $176.04M | $163.92M | $65.09M | 44 |
| 2022 Q3 | 11,682 | $178.07M | $165.59M | $65.03M | 43 |
| 2022 Q2 | 11,740 | $178.49M | $165.78M | $64.12M | 42 |
| 2022 Q1 | 11,708 | $181.26M | $164.93M | $62.97M | 40 |
| 2021 Q4 | 11,717 | $183.61M | $164.70M | $62.85M | 42 |
| 2021 Q3 | 11,854 | $183.23M | $164.35M | $62.84M | 40 |
| 2021 Q2 | 12,201 | $183.90M | $165.35M | $59.39M | 41 |
| 2021 Q1 | 12,216 | $184.23M | $164.95M | $59.16M | 40 |
| 2020 Q4 | 12,213 | $179.45M | $159.75M | $53.25M | 40 |
| 2020 Q3 | 17,441 | $175.98M | $156.16M | $53.57M | 42 |
| 2020 Q2 | 12,358 | $174.50M | $154.48M | $54.40M | 41 |
| 2020 Q1 | 12,397 | $163.27M | $143.39M | $57.27M | 43 |
Interest Rates
Current average rates by loan type
New Vehicle
5.10%
Used Vehicle
5.10%
1st Mortgage (Fixed)
5.75%
HELOC
7.00%
Credit Card
8.90%
Other Unsecured
14.95%