Federal credit union · Upper Darby, Pennsylvania · NCUA charter #9622
Forge
Health score 57/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $53.5M
- Total assets
- 4,075
- Members
- 18.3%
- Net-worth ratio
Forge - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9622 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Forge - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)10
- Earnings (ROA)44
- Member growth43
- Liquidity (loan-to-share)79
Weighted composite: 57/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 18.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.27% | 30% |
| Delinquency Rate | 3.60% | 25% |
| Return on Assets | 0.05% | 15% |
| Member Growth | -1.45% | 15% |
| Loan-to-Share Ratio | 56.22% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $53.5M | 4,075 |
| 2024Q4 | $54.5M | 4,135 |
| 2023Q4 | $53.7M | 4,247 |
Credit Union Details
- Charter Number
- 9622
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Upper Darby
- Data Quarter
- 2025Q4
What This Data Says About Forge
The five-factor composite scores Forge at 57/100 (Fair), reflecting a net worth ratio of 18.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Upper Darby, Pennsylvania, reports 4,075 members, $53.5M in total assets, and $23.8M in outstanding loans as of Q4 2025 under charter #9622 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
On loan book quality: 3.60% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 56.22% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.05% on net income of $26K 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 -1.45%. 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: Community). 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.
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 Forge financially healthy?
Forge scores 57/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.27% net worth ratio and a 3.60% delinquency rate.
How does Forge compare to other credit unions?
Five weighted metrics from NCUA filings produce Forge's 57/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Forge?
Forge 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 Forge directly for the exact boundaries and application steps.
Is my money safe at Forge?
Federal credit unions like Forge 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. Forge's net worth ratio of 18.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Forge offer compared to banks?
Credit unions like Forge 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 Forge 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.