credit union

Theory

Painesville, OH · Est. 1995
C
Trust Grade
Average
Score: 78/100

Theory is a credit union based in Painesville, Ohio, established in 1995, with $39 million in total assets serving 3,515 members. By Trust Grade it ranks 184th of 195 credit unions we track in Ohio. Its net worth ratio of 8.4% trails most similarly sized credit unions (6th percentile), versus a Ohio median of 12%. It was profitable over the most recent period, with a 0.11% return on assets. No consumer complaints against Theory appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$39.0M
<$100M institution
Members
3,515
Shares & deposits
—
Net worth ratio
8.4%
Bottom 6% of <$100M peers · Ohio median 12%
Return on assets
0.1%
Bottom 26% of <$100M peers · Ohio median 0.69%
Rank in Ohio
#184
of 195 credit unions

How Theory compares to Ohio peers

Net worth ratio
Bottom 6% of <$100M peers
Theory
8.4%
Ohio median
12.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 26% of <$100M peers
Theory
0.1%
Ohio median
0.7%
Higher ROA = more profitable relative to asset base

How we graded Theory

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
78/100
Customer experience
n/a
Overall
C · 78
  • Well-capitalized (8.4% capital ratio)
  • Profitable (ROA 0.11%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Theory over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Theory insured?

Yes. Theory is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Theory: frequently asked questions

Is Theory a good credit union?

Theory earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (8.4% capital ratio); Profitable (ROA 0.11%).

Is Theory NCUA-insured?

Yes. Theory is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Theory?

Theory holds $39 million in total assets, ranking 184th of 195 credit unions we track in Ohio. It serves 3,515 members.

Does Theory have CFPB complaints?

No CFPB complaints against Theory appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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