Federal credit union · Ford City, Pennsylvania · NCUA charter #12438
Armstrong Associates
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $78.4M
- Total assets
- 8,001
- Members
- 12.4%
- Net-worth ratio
Armstrong Associates scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.4M; members 8,001; net-worth ratio 12.37%; health rank #1,104 of 4,374; healthier than 73rd of scored peers.
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Armstrong Associates vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Armstrong Associates sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Armstrong Associates vs $50M–$100M peers
- Largest favorable gap: Delinquency Rate at 0.60% vs peer 0.96% (-0.37 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.05 pp (56.55% vs 62.60%).
Where Armstrong Associates sits in Pennsylvania
- Pennsylvania health ordinal: #50 of 275.
- Pennsylvania assets place: #95 of 275.
- Member book place in Pennsylvania: #81 of 275.
- One place up in Pennsylvania, Pocono Medical Center (#49) ties at 90/100; one place down, BHCU (#51) ties at 90/100.
Quarter path for Armstrong Associates
Armstrong Associates: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $78.4M (2025Q4) to $80.8M (2026Q1).
- Net-worth ratio shifted -0.27 pp (12.64% → 12.37%).
12.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Armstrong Associates gives up 10 points in total. Member Growth costs the most, 6.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 12.2 pts
Armstrong Associates vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.37% | -1.25 pp |
| Delinquency Rate | 0.60% | -0.37 pp |
| Return on Assets | 0.86% | +0.20 pp |
| Member Growth | -0.10% | - |
| Loan-to-Share Ratio | 56.55% | -6.05 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Armstrong Associates
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $80.8M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Armstrong Associates, spread across 2 cities.
| Office | City |
|---|---|
| Ford City Office (Main Office) | Ford City, PA |
| Pleasantview Branch | Ford City, PA |
| West Hills Branch | Kittanning, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Cross-state Call Report peers for Armstrong Associates
Using this data
- Armstrong Associates ranks #1,104 of 4,374 nationally on financial health and #50 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Washington Area Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Washington Area Teachers
Frequently Asked Questions
Is Armstrong Associates financially healthy?
Armstrong Associates has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,104 of 4,374 nationally on health and #50 of 275 in Pennsylvania. Its net worth ratio is 12.37% and its delinquency rate 0.60%.
How does Armstrong Associates compare to other credit unions?
Armstrong Associates scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.60% vs 0.96%). Its widest shortfall is loan-to-share ratio (56.55% vs 62.60%).
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?
Armstrong Associates 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. Armstrong Associates's net worth ratio of 12.37% 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.