Federal credit union · Aliquippa, Pennsylvania · NCUA charter #10184
FRIENDLY
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $67.8M
- Total assets
- 4,537
- Members
- 17.0%
- Net-worth ratio
FRIENDLY scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.8M; members 4,537; net-worth ratio 17.01%; health rank #4,052 of 4,374; healthier than 7th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,052 of 4,374 health · 2025Q4FRIENDLY · health 60/100 · $67.8M · 2025Q4
Call Report peers
FRIENDLY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FRIENDLY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FRIENDLY sits in 60-64 with 179 others.
60 7th percentile higher than 7% 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
Peer-gap read for FRIENDLY
- Net Worth Ratio leads the peer set - 17.01% here, 13.62% peer average (+3.39 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.29 pp (46.31% vs 62.60%).
Where FRIENDLY sits in Pennsylvania
- Health composite ranks #250 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #103 of 275.
- Member book place in Pennsylvania: #109 of 275.
- One place up in Pennsylvania, WABELLCO (#249) scores 62/100, 2 points higher; one place down, PINPOINT (#251) ties at 60/100.
FRIENDLY: 2025Q4 → 2026Q1
FRIENDLY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $67.8M (2025Q4) to $68.3M (2026Q1).
- Net-worth ratio shifted +0.03 pp (16.98% → 17.01%).
This credit union's 17.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 60/100 score is built
FRIENDLY gives up 40 points in total. Delinquency Rate costs the most, 22.6 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.4 pts
- Return on Assets 13.5 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 9.7 pts
FRIENDLY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.01% | +3.39 pp |
| Delinquency Rate | 3.62% | +2.66 pp |
| Return on Assets | 0.40% | -0.26 pp |
| Member Growth | -2.58% | - |
| Loan-to-Share Ratio | 46.31% | -16.29 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
FRIENDLY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $68.3M | - |
| 2025Q4 | $67.8M | 4,537 |
| 2024Q4 | $64.7M | 4,657 |
| 2023Q4 | $66.1M | 4,737 |
Credit Union Details
- Charter Number
- 10184
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Aliquippa
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, FRIENDLY runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Friendly Federal Credit Union (Main Office) | Aliquippa, PA |
| Freindly FCU Baden Office | Baden, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near FRIENDLY
Similar total assets
Using this data
- FRIENDLY ranks #4,052 of 4,374 nationally on financial health and #250 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spirit Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spirit Financial
Frequently Asked Questions
Is FRIENDLY financially healthy?
On its 2025Q4 NCUA 5300 filing, FRIENDLY scores 60/100 (Good), with a 17.01% net worth ratio and 3.62% of loans delinquent. It ranks #4,052 of 4,374 nationally on health and #250 of 275 in Pennsylvania.
How does FRIENDLY compare to other credit unions?
FRIENDLY scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (17.01% vs 13.62%). Its widest shortfall is loan-to-share ratio (46.31% vs 62.60%).
How can I join FRIENDLY?
FRIENDLY 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 FRIENDLY directly for the exact boundaries and application steps.
Is my money safe at FRIENDLY?
FRIENDLY is a federal credit union; its shares are federally 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. FRIENDLY's net worth ratio of 17.01% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.