State credit union · BUTLER, Pennsylvania · NCUA charter #65291
ARMCO
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $710.1M
- Total assets
- 43,497
- Members
- 13.4%
- Net-worth ratio
ARMCO scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $710.1M; members 43,497; net-worth ratio 13.39%; health rank #91 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#91 of 4,374 health · 2025Q4ARMCO · health 98/100 · $710.1M · 2025Q4
- NW 98/100
- DELQ 13.4%
- ROA 0.54%
- ASSETS 0.96%
- MEM $710.1M
- RANK 43,497
- PHOTO #91/4,374
- BOOK Northland Area
- CHARTER 65291
Call Report peers
ARMCO in the assets neighbourhood
ARMCO's $710.1M assets sit next to Northland Area ($710.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ARMCO 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
98 Top 3% higher than 97% 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
ARMCO - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65291, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
ARMCO vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.21 pp (13.39% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.94 pp (75.96% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for ARMCO
- Health composite ranks #4 of 275 among scored Pennsylvania credit unions.
- By total assets, ARMCO is #22 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #21 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.
Quarter path for ARMCO
ARMCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $710.1M (2025Q4) to $717.6M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.35% → 13.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.39% | +2.21 pp |
| Delinquency Rate | 0.54% | -0.33 pp |
| Return on Assets | 0.96% | +0.45 pp |
| Member Growth | 3.71% | - |
| Loan-to-Share Ratio | 75.96% | -7.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - ARMCO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $717.6M | - |
| 2025Q4 | $710.1M | 43,497 |
| 2024Q4 | $617.1M | 41,943 |
| 2023Q4 | $532.9M | 40,633 |
Credit Union Details
- Charter Number
- 65291
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- BUTLER
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for ARMCO, spread across 4 cities.
| Office | City |
|---|---|
| Armco Employees Credit Union (Main Office) | Butler, PA |
| Armco Employees Credit Union BC3 Branch | Butler, PA |
| Armco Credit Union Karns City Branch | Karns City, PA |
| Mars Branch | Mars, PA |
| Pitsburgh South Hills Branch | Pittsburgh, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
ARMCO's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($710.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- ARMCO ranks #91 of 4,374 nationally on financial health and #4 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- APCI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with APCI
- 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 ARMCO financially healthy?
Yes/no aside, the number is 98/100 (Excellent) - ARMCO'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 #91 of 4,374; by total assets it ranks #612 of 4,374 nationally (same basis as /rankings/largest); and #22 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.39% net worth ratio and 0.54% delinquency rate are the key drivers.
How does ARMCO compare to other credit unions?
98/100 is ARMCO's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 ARMCO?
Membership eligibility for ARMCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ARMCO directly for current membership requirements and application steps.
Is my money safe at ARMCO?
Federal credit unions like ARMCO 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. ARMCO's net worth ratio of 13.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ARMCO offer compared to banks?
Credit unions like ARMCO 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 ARMCO 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.