Federal credit union · Connellsville, Pennsylvania · NCUA charter #13733
Glass Cap
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $44.1M
- Total assets
- 4,737
- Members
- 18.0%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)69
- Earnings (ROA)100
- Member growth31
- Liquidity (loan-to-share)74
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 18.05% 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 | 18.05% | 30% |
| Delinquency Rate | 1.35% | 25% |
| Return on Assets | 2.39% | 15% |
| Member Growth | -2.41% | 15% |
| Loan-to-Share Ratio | 52.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Glass Cap
The five-factor composite scores Glass Cap at 78/100 (Very Good), reflecting a net worth ratio of 18.05% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Connellsville, Pennsylvania, reports 4,737 members, $44.1M in total assets, and $19.0M in outstanding loans as of Q4 2025 under charter #13733 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 1.35% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 52.57% 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 2.39% on net income of $1.1M 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 -2.41%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.05% 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 18.05% 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.
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.