Federal credit union · GLASSPORT, Pennsylvania · NCUA charter #2796
Copper & Glass
Health score 11/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 11
- Health / 100
- $5.3M
- Total assets
- 1,225
- Members
- -53.8%
- Net-worth ratio
Copper & Glass scores 11/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.3M; members 1,225; net-worth ratio -53.77%; health rank #4,374 of 4,374; healthier than 0th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,374 of 4,374 health · 2025Q4Copper & Glass · health 11/100 · $5.3M · 2025Q4
- MEM 11/100
- RANK -53.8%
- PHOTO 6.85%
- BOOK -1.13%
- CHARTER $5.3M
- NCUSIF 1,225
- CAMELS #4,374/4,374
- HEALTH n/a
- NW 2796
Call Report peers
Copper & Glass carries $5.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Copper & Glass 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
11 0th percentile in the bottom 1% 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
Copper & Glass - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2796: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Copper & Glass vs $2M–$10M peers
- Largest lag: Net Worth Ratio at -53.77% vs peer 19.06% (-72.83 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Copper & Glass
- Pennsylvania health ordinal: #275 of 275.
- Pennsylvania assets place: #236 of 275.
- Pennsylvania membership ordinal: #206 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.
Copper & Glass Call Report trajectory
Copper & Glass: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -24.9% from $7.0M (2024Q4) to $5.3M (2025Q4).
- Membership moved -4.7% from 1,285 to 1,225 over the same window.
- Net-worth ratio shifted -64.56 pp (10.79% → -53.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's -53.77% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 11/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 11.
- Net Worth Ratio 0.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.6 pts
- Loan-to-Share Ratio 10.4 pts
Copper & Glass vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | -53.77% | -72.83 pp |
| Delinquency Rate | 6.85% | +5.04 pp |
| Return on Assets | -1.13% | -1.59 pp |
| Member Growth | -4.67% | - |
| Loan-to-Share Ratio | 49.40% | -14.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Copper & Glass quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.3M | 1,225 |
| 2024Q4 | $7.0M | 1,285 |
| 2023Q4 | $7.1M | 1,357 |
Credit Union Details
- Charter Number
- 2796
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- GLASSPORT
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Copper & Glass runs one office.
| Office | City |
|---|---|
| COPPER & GLASS FCU (Main Office) | GLASSPORT, 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.
Nationwide credit unions with similar profiles
Copper & Glass's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (11/100 here).
Using this data
- Copper & Glass ranks #4,374 of 4,374 nationally on financial health and #275 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MULTI-SCHOOLS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MULTI-SCHOOLS
- 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 Copper & Glass financially healthy?
Copper & Glass scores 11/100 (Weak) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,374 of 4,374; by total assets it ranks #3,865 of 4,374 nationally (same basis as /rankings/largest); and #236 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a -53.77% net worth ratio and a 6.85% delinquency rate.
How does Copper & Glass compare to other credit unions?
11/100 is Copper & Glass's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Copper & Glass?
Copper & Glass 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 Copper & Glass directly for the exact boundaries and application steps.
Is my money safe at Copper & Glass?
Federal credit unions like Copper & Glass 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. Copper & Glass's net worth ratio of -53.77% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Copper & Glass offer compared to banks?
Credit unions like Copper & Glass 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 Copper & Glass 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.