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.
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NCUA 5300 Call Report Masthead
#91 of 4,374 health · 2025Q4ARMCO · health 98/100 · $710.1M · 2025Q4
Call Report peers
ARMCO in the assets neighbourhood
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ARMCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ARMCO sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Pennsylvania, CHROME (#3) scores 99/100, 1 point higher; one place down, Cmc-Fcpi Employees (#5) scores 97/100, 1 point lower.
Quarter path for ARMCO
ARMCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $710.1M (2025Q4) to $717.6M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.35% → 13.39%).
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
ARMCO gives up 2 points in total. Member Growth costs the most, 1.6 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ARMCO financially healthy?
ARMCO has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #91 of 4,374 nationally on health and #4 of 275 in Pennsylvania. Its net worth ratio is 13.39% and its delinquency rate 0.54%.
How does ARMCO compare to other credit unions?
ARMCO scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.39% vs 11.18%). Its widest shortfall is loan-to-share ratio (75.96% vs 83.90%).
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?
ARMCO is a state-chartered 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. ARMCO's net worth ratio of 13.39% 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.