Federal credit union · Latrobe, Pennsylvania · NCUA charter #10141
Dertown School
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $12.3M
- Total assets
- 704
- Members
- 28.6%
- Net-worth ratio
Dertown School - Share Insurance Coverage
Charter #10141'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.
Dertown School - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth52
- Liquidity (loan-to-share)83
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 28.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 28.57% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.17% | 15% |
| Member Growth | -0.71% | 15% |
| Loan-to-Share Ratio | 95.75% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $12.3M | 704 |
| 2024Q4 | $12.0M | 709 |
| 2023Q4 | $11.0M | 716 |
Credit Union Details
- Charter Number
- 10141
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Latrobe
- Data Quarter
- 2025Q4
What This Data Says About Dertown School
704 members and $12.3M in total assets sit behind Dertown School, a federal credit union in Latrobe, Pennsylvania, which posts a health score of 90/100 (Excellent) on the five-factor composite, with $8.3M in outstanding loans as of Q4 2025 and a net worth ratio of 28.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #10141 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 95.75% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.17% on net income of $144K 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 -0.71%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Single Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
- NORTHAMPTON AREA SCHOOL DIST. EMPSNorthampton, PA · $10M–$50M81Health
- PENNTECH EMPLOYEESJohnsonburg, PA · $10M–$50M72Health
- PENNSYLVANIA-AMERICAN WATERBethel Park, PA · $10M–$50M80Health
- WABELLCOWashington, PA · $10M–$50M58Health
- CLAIRTON WORKSClairton, PA · $10M–$50M81Health
Compare Dertown School vs NORTHAMPTON AREA SCHOOL DIST. EMPS
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 Dertown School financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Dertown School's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 28.57% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Dertown School compare to other credit unions?
Dertown School scores 90/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Dertown School?
Dertown School is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Dertown School directly to confirm eligibility.
Is my money safe at Dertown School?
Federal credit unions like Dertown School 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. Dertown School's net worth ratio of 28.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dertown School offer compared to banks?
Credit unions like Dertown School 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 Dertown School 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.