Total Assets
$38.4M
Total Deposits
$36.0M
Branches
3
Established
1995
THEORY is a credit union headquartered in PAINESVILLE, Ohio, established in 1995. It holds $38.4M in total assets across 3 branch locations. In our editorial opinion, based on public FDIC/NCUA data, THEORY earns a TFS Financial Health Grade of F (38.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
38.5 / 100
Poor financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS September 26, 2026. Data sourced from NCUA Call Reports as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Theory FCUHQ | 1595 Mentor Ave | Painesville | OH | Full Service |
| Madison High School branch | 3100 Burns Rd | Madison | OH | Full Service |
| North Olmsted Office | 30129 Lorain Rd | North Olmsted | OH | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC and OCC enforcement records; NCUA catalog monitored. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
38.5
Net worth ratio
8.65%
Return on assets
0.10%
60+ day delinquency
2.11%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.