State credit union · Spring Grove, Pennsylvania · NCUA charter #63943
GLATCO
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $51.8M
- Total assets
- 3,017
- Members
- 15.9%
- Net-worth ratio
GLATCO scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.8M; members 3,017; net-worth ratio 15.94%; health rank #3,060 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,060 of 4,374 health · 2025Q4GLATCO · health 77/100 · $51.8M · 2025Q4
- BOOK 77/100
- CHARTER 15.9%
- NCUSIF 1.41%
- CAMELS 1.29%
- HEALTH $51.8M
- NW 3,017
- DELQ #3,060/4,374
- ROA Trans Texas Southwest
- ASSETS 63943
Call Report peers
GLATCO in the assets neighbourhood
GLATCO's $51.8M assets sit next to Trans Texas Southwest ($51.8M) 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.
GLATCO 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
77 28th percentile higher than 28% 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
GLATCO - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63943: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
GLATCO: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 15.94% here, 13.62% peer average (+2.32 pp).
- Largest lag: Loan-to-Share Ratio at 23.11% vs peer 62.60% (-39.49 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
GLATCO in Pennsylvania
- Pennsylvania health ordinal: #188 of 275.
- Assets rank #121 of 275 inside Pennsylvania ($51.8M reported).
- Member book place in Pennsylvania: #138 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.
Quarter path for GLATCO
GLATCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $51.8M (2025Q4) to $53.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (16.11% → 15.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.9 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 8.3 pts
Call Report ratios for GLATCO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.94% | +2.32 pp |
| Delinquency Rate | 1.41% | +0.45 pp |
| Return on Assets | 1.29% | +0.64 pp |
| Member Growth | -1.24% | - |
| Loan-to-Share Ratio | 23.11% | -39.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - GLATCO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $53.8M | - |
| 2025Q4 | $51.8M | 3,017 |
| 2024Q4 | $50.3M | 3,055 |
| 2023Q4 | $50.3M | 3,111 |
Credit Union Details
- Charter Number
- 63943
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Spring Grove
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, GLATCO runs 5 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Spring Grove, PA |
| CMC | Sandy, UT |
| School Office | Spring Grove, PA |
| Windy Hill Office | Spring Grove, PA |
| White Rose Community Credit Union | York, 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 GLATCO
GLATCO's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($51.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- GLATCO ranks #3,060 of 4,374 nationally on financial health and #188 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Elliott Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Elliott Community
- 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 GLATCO financially healthy?
GLATCO has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,060 of 4,374; by total assets it ranks #2,375 of 4,374 nationally (same basis as /rankings/largest); and #121 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 15.94% and delinquency rate of 1.41%.
How does GLATCO compare to other credit unions?
PlainCU's health composite puts GLATCO at 77/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 GLATCO?
Membership eligibility for GLATCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GLATCO directly for current membership requirements and application steps.
Is my money safe at GLATCO?
Federal credit unions like GLATCO 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. GLATCO's net worth ratio of 15.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GLATCO offer compared to banks?
Credit unions like GLATCO 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 GLATCO 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.