Federal credit union · Dunbar, Pennsylvania · NCUA charter #841
Allegheny Central
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $8.7M
- Total assets
- 855
- Members
- 18.6%
- Net-worth ratio
Allegheny Central scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.7M; members 855; net-worth ratio 18.56%; health rank #1,037 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,037 of 4,374 health · 2025Q4Allegheny Central · health 90/100 · $8.7M · 2025Q4
- DELQ 90/100
- ROA 18.6%
- ASSETS 0.55%
- MEM 2.09%
- RANK $8.7M
- PHOTO 855
- BOOK #1,037/4,374
- CHARTER n/a
- NCUSIF 841
Call Report peers
Allegheny Central carries $8.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Allegheny Central vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Allegheny Central - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #841: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Allegheny Central: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +4.70 pp (68.30% vs 63.60%).
- Net Worth Ratio trails the peer set - 18.56% here, 19.06% peer average (-0.50 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Allegheny Central
- Pennsylvania health ordinal: #45 of 275.
- By total assets, Allegheny Central is #216 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #225 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Allegheny Central's 5300 filing moved
Allegheny Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $8.7M (2025Q4) to $9.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (18.71% → 18.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 14.4 pts
Allegheny Central health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.56% | -0.50 pp |
| Delinquency Rate | 0.55% | -1.26 pp |
| Return on Assets | 2.09% | +1.64 pp |
| Member Growth | -1.61% | - |
| Loan-to-Share Ratio | 68.30% | +4.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.0M | - |
| 2025Q4 | $8.7M | 855 |
| 2024Q4 | $8.2M | 869 |
| 2023Q4 | $7.8M | 887 |
Credit Union Details
- Charter Number
- 841
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Dunbar
- Data Quarter
- 2025Q4
Branch Locations (2)
Allegheny Central operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Dunbar, PA |
| CU Answers | GRAND RAPIDS, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
- CRAYOLA LLC EMPLOYEES CREDIT UNIONEASTON, PA · $2M–$10M68Health
- U F C W LOCAL 1776PLYMOUTH MEETIN, PA · $2M–$10M83Health
- TEAM FIRSTLANCASTER, PA · $2M–$10M52Health
- SARCOBETHLEHEM, PA · $2M–$10M91Health
- PHB EMPLOYEESFairview, PA · $2M–$10M82Health
Compare Allegheny Central vs CRAYOLA LLC EMPLOYEES CREDIT UNION
Allegheny Central nationwide neighbourhoods
Two NCUA Call Report peer sets for Allegheny Central, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Allegheny Central ranks #1,037 of 4,374 nationally on financial health and #45 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Crayola LLC Employees Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Crayola LLC Employees Credit Union
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Allegheny Central financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Allegheny Central's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,037 of 4,374; by total assets it ranks #3,625 of 4,374 nationally (same basis as /rankings/largest); and #216 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.56% net worth ratio and 0.55% delinquency rate are the key drivers.
How does Allegheny Central compare to other credit unions?
Allegheny Central scores 90/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Allegheny Central?
Allegheny Central operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Allegheny Central directly for the exact boundaries and application steps.
Is my money safe at Allegheny Central?
Federal credit unions like Allegheny Central are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Allegheny Central's net worth ratio of 18.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Allegheny Central offer compared to banks?
Credit unions like Allegheny Central are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Allegheny Central directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.