State credit union · Pottstown, Pennsylvania · NCUA charter #68241
DIAMOND
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.18B
- Total assets
- 70,408
- Members
- 10.4%
- Net-worth ratio
DIAMOND scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.18B; members 70,408; net-worth ratio 10.43%; health rank #283 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#283 of 4,374 health · 2025Q4DIAMOND · health 96/100 · $1.18B · 2025Q4
- CHARTER 96/100
- NCUSIF 10.4%
- CAMELS 0.35%
- HEALTH 0.68%
- NW $1.18B
- DELQ 70,408
- ROA #283/4,374
- ASSETS REV
- MEM 68241
Call Report peers
DIAMOND in the assets neighbourhood
DIAMOND's $1.18B assets sit next to REV ($1.18B) 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.
DIAMOND 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
96 Top 7% higher than 93% 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
DIAMOND - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68241: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
DIAMOND vs Over $500M peers
- Largest favorable gap: Delinquency Rate at 0.35% vs peer 0.87% (-0.52 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.07 pp (64.83% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
DIAMOND: in-state Call Report ranks
- Health composite ranks #12 of 275 among scored Pennsylvania credit unions.
- Assets rank #14 of 275 inside Pennsylvania ($1.18B reported).
- Pennsylvania membership ordinal: #14 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.
How DIAMOND's 5300 filing moved
DIAMOND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $1.18B (2025Q4) to $1.22B (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.48% → 10.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.43% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 13.5 pts
Call Report ratios for DIAMOND
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.43% | -0.75 pp |
| Delinquency Rate | 0.35% | -0.52 pp |
| Return on Assets | 0.68% | +0.17 pp |
| Member Growth | 2.92% | - |
| Loan-to-Share Ratio | 64.83% | -19.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - DIAMOND
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.22B | - |
| 2025Q4 | $1.18B | 70,408 |
| 2024Q4 | $1.06B | 68,410 |
| 2023Q4 | $974.0M | 66,305 |
Credit Union Details
- Charter Number
- 68241
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Pottstown
- Data Quarter
- 2025Q4
Branch Locations (8)
DIAMOND operates 8 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Pottstown, PA |
| Exeter Branch | Birdsboro, PA |
| Boyertown Branch | Gilbertsville, PA |
| Cumru Branch | Reading, PA |
| Royersford Branch | Royersford, PA |
| Muhlenberg Branch | Temple, PA |
| Reading Hospital Branch | West Reading, PA |
| Wyomissing Branch | Wyomissing, 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.
Other-state peers near DIAMOND
DIAMOND's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.18B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- DIAMOND ranks #283 of 4,374 nationally on financial health and #12 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PATRIOT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PATRIOT
- 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 DIAMOND financially healthy?
DIAMOND has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #283 of 4,374; by total assets it ranks #406 of 4,374 nationally (same basis as /rankings/largest); and #14 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.43% and delinquency rate of 0.35%.
How does DIAMOND compare to other credit unions?
96/100 is DIAMOND's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 DIAMOND?
Membership eligibility for DIAMOND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact DIAMOND directly for current membership requirements and application steps.
Is my money safe at DIAMOND?
Federal credit unions like DIAMOND 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. DIAMOND's net worth ratio of 10.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DIAMOND offer compared to banks?
Credit unions like DIAMOND 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 DIAMOND 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.