Federal credit union · State College, Pennsylvania · NCUA charter #24187
Arize
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $172.1M
- Total assets
- 11,952
- Members
- 6.5%
- Net-worth ratio
Arize - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24187 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Arize - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)63
- Asset quality (delinquency)31
- Earnings (ROA)100
- Member growth86
- Liquidity (loan-to-share)100
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.51% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.51% | 30% |
| Delinquency Rate | 2.75% | 25% |
| Return on Assets | 0.54% | 15% |
| Member Growth | 3.31% | 15% |
| Loan-to-Share Ratio | 72.51% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Arize
The five-factor composite scores Arize at 70/100 (Very Good), reflecting a net worth ratio of 6.51% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in State College, Pennsylvania, reports 11,952 members, $172.1M in total assets, and $115.2M in outstanding loans as of Q4 2025 under charter #24187 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 2.75% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 72.51% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.54% on net income of $930K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.31%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Arize financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Arize carries a financial health score of 70/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.51% net worth ratio and a 2.75% delinquency rate.
How does Arize compare to other credit unions?
Five weighted metrics from NCUA filings produce Arize's 70/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Arize 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. Arize's net worth ratio of 6.51% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Arize offer compared to banks?
Credit unions like Arize 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 Arize directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.