Federal credit union · Ford City, Pennsylvania · NCUA charter #12438
Armstrong Associates
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $78.4M
- Total assets
- 8,001
- Members
- 10.9%
- Net-worth ratio
Armstrong Associates - Share Insurance Coverage
Charter #12438's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Armstrong Associates - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)96
- Earnings (ROA)100
- Member growth59
- Liquidity (loan-to-share)80
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.85% | 30% |
| Delinquency Rate | 0.60% | 25% |
| Return on Assets | 0.86% | 15% |
| Member Growth | -0.10% | 15% |
| Loan-to-Share Ratio | 56.55% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $78.4M | 8,001 |
| 2024Q4 | $74.9M | 8,009 |
| 2023Q4 | $72.1M | 8,066 |
Credit Union Details
- Charter Number
- 12438
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Ford City
- Data Quarter
- 2025Q4
What This Data Says About Armstrong Associates
Armstrong Associates is a federal credit union headquartered in Ford City, Pennsylvania, serving 8,001 members with $78.4M in total assets and $37.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 10.85% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #12438 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.60% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 56.55% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.86% on net income of $675K 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 -0.10%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
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 Armstrong Associates financially healthy?
A 10.85% net worth ratio and a 0.60% delinquency rate feed into Armstrong Associates's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Armstrong Associates compare to other credit unions?
Armstrong Associates scores 90/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Armstrong Associates?
Armstrong Associates 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 Armstrong Associates directly for the exact boundaries and application steps.
Is my money safe at Armstrong Associates?
Federal credit unions like Armstrong Associates 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. Armstrong Associates's net worth ratio of 10.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Armstrong Associates offer compared to banks?
Credit unions like Armstrong Associates 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 Armstrong Associates 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.