Federal credit union · Altoona, Pennsylvania · NCUA charter #11304
ARC
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $150.2M
- Total assets
- 14,465
- Members
- 13.0%
- Net-worth ratio
ARC scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $150.2M; members 14,465; net-worth ratio 13.04%; health rank #2,098 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,098 of 4,374 health · 2025Q4ARC · health 84/100 · $150.2M · 2025Q4
Call Report peers
ARC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ARC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ARC sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
ARC vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 13.04% vs peer 12.11% (+0.93 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.66 pp (61.54% vs 72.20%).
Pennsylvania standing for ARC
- Pennsylvania health ordinal: #102 of 275.
- By total assets, ARC is #59 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #50 of 275.
- One place up in Pennsylvania, Pace Resources (#101) ties at 84/100; one place down, RELIANCE (#103) ties at 84/100.
ARC Call Report trajectory
ARC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $150.2M (2025Q4) to $155.0M (2026Q1).
- Net-worth ratio shifted +0.24 pp (12.80% → 13.04%).
At 13.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
ARC gives up 16 points in total. Delinquency Rate costs the most, 8.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 13.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.04% | +0.93 pp |
| Delinquency Rate | 1.51% | +0.61 pp |
| Return on Assets | 1.46% | +0.84 pp |
| Member Growth | 0.51% | - |
| Loan-to-Share Ratio | 61.54% | -10.66 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $155.0M | - |
| 2025Q4 | $150.2M | 14,465 |
| 2024Q4 | $142.1M | 14,392 |
| 2023Q4 | $135.3M | 14,320 |
Credit Union Details
- Charter Number
- 11304
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Altoona
- Data Quarter
- 2025Q4
Branch Locations (2)
ARC operates 2 offices in Altoona, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ARC Main Office (Main Office) | Altoona, PA |
| ARC Branch | Altoona, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near ARC
Using this data
- ARC ranks #2,098 of 4,374 nationally on financial health and #102 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HORIZON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HORIZON
Frequently Asked Questions
Is ARC financially healthy?
ARC has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,098 of 4,374 nationally on health and #102 of 275 in Pennsylvania. Its net worth ratio is 13.04% and its delinquency rate 1.51%.
How does ARC compare to other credit unions?
ARC scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.04% vs 12.11%). Its widest shortfall is loan-to-share ratio (61.54% vs 72.20%).
How can I join ARC?
ARC 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 ARC directly for the exact boundaries and application steps.
Is my money safe at ARC?
ARC is a federal credit union; its shares are federally 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. ARC's net worth ratio of 13.04% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.