Federal credit union · State College, Pennsylvania · NCUA charter #24187
ARIZE
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $172.1M
- Total assets
- 11,952
- Members
- 8.1%
- Net-worth ratio
ARIZE scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $172.1M; members 11,952; net-worth ratio 8.14%; health rank #3,222 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,222 of 4,374 health · 2025Q4ARIZE · health 76/100 · $172.1M · 2025Q4
Call Report peers
ARIZE in the assets neighbourhood
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ARIZE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ARIZE sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where ARIZE diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +0.31 pp (72.51% vs 72.20%).
- Net Worth Ratio trails the peer set - 8.14% here, 12.11% peer average (-3.97 pp).
Where ARIZE sits in Pennsylvania
- Health composite ranks #197 of 275 among scored Pennsylvania credit unions.
- Assets rank #54 of 275 inside Pennsylvania ($172.1M reported).
- Membership ranks #60 of 275 among Pennsylvania CUs with a reported count (11,952 members).
- One place up in Pennsylvania, TENDTO (#196) ties at 76/100; one place down, Paac Transit Division (#198) scores 75/100, 1 point lower.
Quarter path for ARIZE
ARIZE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $172.1M (2025Q4) to $175.2M (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.14% → 8.14%).
This credit union's 8.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
ARIZE gives up 24 points in total. Delinquency Rate costs the most, 17.2 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 7.8 pts
- Return on Assets 15.0 pts
- Member Growth 13.0 pts
- Loan-to-Share Ratio 14.8 pts
ARIZE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.14% | -3.97 pp |
| Delinquency Rate | 2.75% | +1.86 pp |
| Return on Assets | 0.54% | -0.08 pp |
| Member Growth | 3.31% | - |
| Loan-to-Share Ratio | 72.51% | +0.31 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ARIZE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $175.2M | - |
| 2025Q4 | $172.1M | 11,952 |
| 2024Q4 | $161.4M | 11,569 |
| 2023Q4 | $156.2M | 11,657 |
Credit Union Details
- Charter Number
- 24187
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- State College
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, ARIZE runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| State College - Benner Pike (Main Office) | State College, PA |
| Huntingdon - New | Huntingdon, PA |
| Science Park Office | State College, 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.
ARIZE nationwide neighbourhoods
Using this data
- ARIZE ranks #3,222 of 4,374 nationally on financial health and #197 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Priority First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Priority First
Frequently Asked Questions
Is ARIZE financially healthy?
ARIZE has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,222 of 4,374 nationally on health and #197 of 275 in Pennsylvania. Its net worth ratio is 8.14% and its delinquency rate 2.75%.
How does ARIZE compare to other credit unions?
ARIZE scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.51% vs 72.20%). Its widest shortfall is net worth ratio (8.14% vs 12.11%).
How can I join ARIZE?
ARIZE 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 ARIZE directly for the exact boundaries and application steps.
Is my money safe at ARIZE?
ARIZE 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. ARIZE's net worth ratio of 8.14% 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.