Federal credit union · Connellsville, Pennsylvania · NCUA charter #13733
Glass Cap
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $44.1M
- Total assets
- 4,737
- Members
- 17.8%
- Net-worth ratio
Glass Cap scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.1M; members 4,737; net-worth ratio 17.80%; health rank #2,938 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,938 of 4,374 health · 2025Q4Glass Cap · health 78/100 · $44.1M · 2025Q4
- ROA 78/100
- ASSETS 17.8%
- MEM 1.35%
- RANK 2.39%
- PHOTO $44.1M
- BOOK 4,737
- CHARTER #2,938/4,374
- NCUSIF Bloomington Municipal
- CAMELS 13733
Call Report peers
Glass Cap in the assets neighbourhood
Glass Cap's $44.1M assets sit next to Bloomington Municipal ($44.1M) 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.
Glass Cap 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
78 31st percentile higher than 31% 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
Glass Cap - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13733. See our deposit-insurance coverage note.
Glass Cap: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 17.80% here, 14.86% peer average (+2.94 pp).
- Largest lag: Loan-to-Share Ratio at 52.57% vs peer 59.80% (-7.23 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Glass Cap: in-state Call Report ranks
- Health composite ranks #175 of 275 among scored Pennsylvania credit unions.
- Assets rank #131 of 275 inside Pennsylvania ($44.1M reported).
- Pennsylvania membership ordinal: #106 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 Glass Cap's 5300 filing moved
Glass Cap: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $44.1M (2025Q4) to $45.6M (2026Q1).
- Net-worth ratio shifted -0.25 pp (18.05% → 17.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.4 pts
- Return on Assets 15.0 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for Glass Cap
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.80% | +2.94 pp |
| Delinquency Rate | 1.35% | +0.21 pp |
| Return on Assets | 2.39% | +1.68 pp |
| Member Growth | -2.41% | - |
| Loan-to-Share Ratio | 52.57% | -7.23 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).
Call Report history - Glass Cap
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.6M | - |
| 2025Q4 | $44.1M | 4,737 |
| 2024Q4 | $44.0M | 4,854 |
| 2023Q4 | $43.0M | 4,874 |
Credit Union Details
- Charter Number
- 13733
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Connellsville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Glass Cap, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Connellsville, PA |
| GLASS CAP FCU | CONNELLSVILLE, 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.
Glass Cap nationwide neighbourhoods
Two NCUA Call Report peer sets for Glass Cap, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Glass Cap ranks #2,938 of 4,374 nationally on financial health and #175 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Districts is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Districts
- 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 Glass Cap financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Glass Cap'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 #2,938 of 4,374; by total assets it ranks #2,514 of 4,374 nationally (same basis as /rankings/largest); and #131 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.80% net worth ratio and 1.35% delinquency rate are the key drivers.
How does Glass Cap compare to other credit unions?
Glass Cap scores 78/100 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 Glass Cap?
Glass Cap 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 Glass Cap directly for the exact boundaries and application steps.
Is my money safe at Glass Cap?
Federal credit unions like Glass Cap 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. Glass Cap's net worth ratio of 17.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Glass Cap offer compared to banks?
Credit unions like Glass Cap 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 Glass Cap 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.