Federal credit union · Latrobe, Pennsylvania · NCUA charter #10141
Dertown School
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $12.3M
- Total assets
- 704
- Members
- 29.8%
- Net-worth ratio
Dertown School scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.3M; members 704; net-worth ratio 29.75%; health rank #1,025 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,025 of 4,374 health · 2025Q4Dertown School · health 90/100 · $12.3M · 2025Q4
- CAMELS 90/100
- HEALTH 29.8%
- NW 0.00%
- DELQ 1.17%
- ROA $12.3M
- ASSETS 704
- MEM #1,025/4,374
- RANK KRAFTCOR
- PHOTO 10141
Call Report peers
Dertown School in the assets neighbourhood
Dertown School's $12.3M assets sit next to KRAFTCOR ($12.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dertown School 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
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
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: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 95.75% here, 59.80% peer average (+35.95 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Dertown School
- Pennsylvania health ordinal: #44 of 275.
- Pennsylvania assets place: #202 of 275.
- Pennsylvania membership ordinal: #236 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.
Dertown School Call Report trajectory
Dertown School: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $12.3M (2025Q4) to $12.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (29.87% → 29.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 29.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 12.3 pts
Call Report ratios for Dertown School
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.75% | +14.89 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.17% | +0.46 pp |
| Member Growth | -0.71% | - |
| Loan-to-Share Ratio | 95.75% | +35.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Dertown School quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.4M | - |
| 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
Branch Location
Dertown School operates a single office in Latrobe, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Dertown (Main Office) | Latrobe, 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.
- NORTHAMPTON AREA SCHOOL DIST. EMPSNorthampton, PA · $10M–$50M81Health
- PENNTECH EMPLOYEESJohnsonburg, PA · $10M–$50M72Health
- PENNSYLVANIA-AMERICAN WATERBethel Park, PA · $10M–$50M80Health
- WABELLCOWashington, PA · $10M–$50M62Health
- CLAIRTON WORKSClairton, PA · $10M–$50M81Health
Compare Dertown School vs NORTHAMPTON AREA SCHOOL DIST. EMPS
Other-state peers near Dertown School
Cross-state asset and health neighbours for Dertown School - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Dertown School ranks #1,025 of 4,374 nationally on financial health and #44 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northampton Area School Dist. Emps is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northampton Area School Dist. Emps
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,025 of 4,374; by total assets it ranks #3,440 of 4,374 nationally (same basis as /rankings/largest); and #202 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 29.75% 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 29.75% 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.
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.