CARDINAL CREDIT UNION, INC. Credit Union Profile

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CARDINAL CREDIT UNION, INC.

Charter #68707 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (440) 266-2200

Fax: (440) 266-2299

Founding Date: N/A

Website: http://www.cardinalcu.com

Personnel & Operations

President: Hamo, Sandy

Manager: Blake, Christine

FT Employees: 74

PT Employees: 9

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 14

Hours: Mon-Thur 9am-5pm Friday 9am-6pm Saturday

Credit Union Profile Summary

CARDINAL CREDIT UNION, INC. is a FISCU Credit Union. With a total of 23,805 members [1], this institution manages approximately $334,797,530 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.69% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 11.38% [1].

Financial Snapshot

Total Assets [1]
$334,797,530

Total economic resources.

Total Loans [1]
$251,906,771

Total value of outstanding loans.

Total Deposits [1]
$296,290,074

Total funds deposited by members.

Members [1]
23,805

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.69%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.11%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
85.02%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
10.04%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
11.38%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.15%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

8500 Westport Dr

Mentor, OH, 44060

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 12 branches reported by CARDINAL CREDIT UNION, INC. (Charter #68707).

Main Office

Main Office Main Office

Type: Corporate Office

8500 Westport Dr

Mentor, OH 44060

Phone: (440) 266-2200

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Ashtabula

Ashtabula Branch

Type: Branch Office

625 Lake Ave

Ashtabula, OH 44004

Phone: (440) 964-6222

Services: Member Services, ATM, Drive-Thru

Open in Directions

Austintown

Austintown Branch

Type: Branch Office

6000 Mahoning Ave Ste 210

Austintown, OH 44515-2242

Phone: (440) 266-2200

Services: Member Services, ATM

Open in Directions

Chardon

Notre Dame Cathedral Latin High School

Type: Branch Office

13000 Auburn Rd

Chardon, OH 44024-9337

Phone: (440) 286-6226

Services: Member Services

Open in Directions

Cleveland

Mayfield Branch

Type: Branch Office

1220 Som Center Rd Unit A

Cleveland, OH 44124-2002

Phone: (440) 266-2200

Services: Member Services, ATM, Drive-Thru

Open in Directions

Eastlake

Eastlake North High School

Type: Branch Office

34041 Stevens Blvd

Eastlake, OH 44095

Phone: (440) 266-2200

Services: Member Services

Open in Directions

Northern Career Institute

Type: Branch Office

34050 Glen Dr

Eastlake, OH 44095

Phone: (440) 283-4300

Services: Member Services

Open in Directions

Kirtland

Lakeland Community College

Type: Branch Office

7700 Clocktower Dr Bldg A

Kirtland, OH 44094-5198

Phone: (440) 266-2276

Services: Member Services

Open in Directions

Mentor

Lake Catholic High School

Type: Branch Office

6733 Reynolds Rd

Mentor, OH 44060

Phone: (440) 266-2200

Services: Member Services

Open in Directions

Mentor High School

Type: Branch Office

6477 Center St

Mentor, OH 44060

Phone: (440) 266-2200

Services: Member Services

Open in Directions

Willoughby

Willoughby Branch

Type: Branch Office

34465 Euclid Ave

Willoughby, OH 44094

Phone: (440) 946-1270

Services: Member Services, ATM, Drive-Thru

Open in Directions

Willoughby South High School

Type: Branch Office

4900 Shankland Rd

Willoughby, OH 44094

Phone: (440) 266-2200

Services: Member Services

Open in Directions