Painesville, Ohio · Peer group 3
Theory Credit Union
Theory Credit Union holds $39.0M in assets across 3,515 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1995. Charter number 24545, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $39.0M |
|---|---|
| Total loans | $19.0M |
| Total shares (deposits) | $36.6M |
| Net worth | $3.3M |
| Members | 3,515 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 10.2% | |
|---|---|---|
| Loans | 3.0% | around the 75th percentile of its peer group |
| Deposits | 9.4% | higher than 91% of its peer group |
| Members | 0.8% | around the 75th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 51.8% | around the 41st percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.4% | lower than 93% of its peer group |
| Return on assets | 0.11% | around the 23rd percentile of its peer group |
| Delinquency ratio | 0.78% | around the 60th percentile of its peer group |
| Cash / assets | 17.0% | around the 75th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Theory Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Ohio — the comparison set a peer ratio is measured against.
- Wiremen's Credit Union
Parma, OH
$40.1M · 5,260 members
- Erie Community Credit Union
Sandusky, OH
$40.3M · 3,449 members
- Members Choice Credit Union
GREENVILLE, OH
$37.5M · 3,348 members
- Softite Community Credit Union
Martins Ferry, OH
$37.0M · 3,845 members
- Valley One Community Credit Union
Steubenville, OH
$41.2M · 3,680 members
- Chivaho Credit Union
Chillicothe, OH
$36.9M · 2,227 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Theory Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.