Federal credit union · KITTANNING, Pennsylvania · NCUA charter #19745
Armstrong Co. Federal Emp.
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $17.3M
- Total assets
- 2,094
- Members
- 15.2%
- Net-worth ratio
Armstrong Co. Federal Emp. scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.3M; members 2,094; net-worth ratio 15.18%; health rank #3,066 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,066 of 4,374 health · 2025Q4Armstrong Co. Federal Emp. · health 77/100 · $17.3M · 2025Q4
Call Report peers
Armstrong Co. Federal Emp. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Armstrong Co. Federal Emp. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Armstrong Co. Federal Emp. sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Armstrong Co. Federal Emp.
- Net Worth Ratio leads the peer set - 15.18% here, 14.86% peer average (+0.32 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -35.49 pp (24.31% vs 59.80%).
Armstrong Co. Federal Emp.: in-state Call Report ranks
- Health composite ranks #189 of 275 among scored Pennsylvania credit unions.
- By total assets, Armstrong Co. Federal Emp. is #179 of 275 in Pennsylvania.
- Membership ranks #162 of 275 among Pennsylvania CUs with a reported count (2,094 members).
- One place up in Pennsylvania, GLATCO (#188) ties at 77/100; one place down, LESCO (#190) ties at 77/100.
How Armstrong Co. Federal Emp.'s 5300 filing moved
Armstrong Co. Federal Emp.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $17.3M (2025Q4) to $17.7M (2026Q1).
- Net-worth ratio shifted -0.19 pp (15.37% → 15.18%).
15.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Armstrong Co. Federal Emp. gives up 23 points in total. Member Growth costs the most, 12 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.2 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 7.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.18% | +0.32 pp |
| Delinquency Rate | 0.88% | -0.26 pp |
| Return on Assets | 0.99% | +0.28 pp |
| Member Growth | -3.32% | - |
| Loan-to-Share Ratio | 24.31% | -35.49 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Armstrong Co. Federal Emp.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.7M | - |
| 2025Q4 | $17.3M | 2,094 |
| 2024Q4 | $17.3M | 2,166 |
| 2023Q4 | $17.6M | 2,206 |
Credit Union Details
- Charter Number
- 19745
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- KITTANNING
- Data Quarter
- 2025Q4
Branch Locations (3)
Armstrong Co. Federal Emp. operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ARMSTRONG CO. FEDERAL EMP.FCU (Main Office) | Kittanning, PA |
| Compusource | Amherst, NY |
| Compusource | Amherst, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Armstrong Co. Federal Emp.
Using this data
- Armstrong Co. Federal Emp. ranks #3,066 of 4,374 nationally on financial health and #189 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Saint Vincent Erie is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Saint Vincent Erie
Frequently Asked Questions
Is Armstrong Co. Federal Emp. financially healthy?
Armstrong Co. Federal Emp. has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,066 of 4,374 nationally on health and #189 of 275 in Pennsylvania. Its net worth ratio is 15.18% and its delinquency rate 0.88%.
How does Armstrong Co. Federal Emp. compare to other credit unions?
Armstrong Co. Federal Emp. scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (15.18% vs 14.86%). Its widest shortfall is loan-to-share ratio (24.31% vs 59.80%).
How can I join Armstrong Co. Federal Emp.?
Armstrong Co. Federal Emp. serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Armstrong Co. Federal Emp. directly for the current list of qualifying groups.
Is my money safe at Armstrong Co. Federal Emp.?
Armstrong Co. Federal Emp. 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 Co. Federal Emp.'s net worth ratio of 15.18% 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.