Federal credit union · New Castle, Pennsylvania · NCUA charter #1542
Gnc Community
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $81.4M
- Total assets
- 11,546
- Members
- 15.3%
- Net-worth ratio
Gnc Community scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $81.4M; members 11,546; net-worth ratio 15.27%; health rank #2,836 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,836 of 4,374 health · 2025Q4Gnc Community · health 79/100 · $81.4M · 2025Q4
- ASSETS 79/100
- MEM 15.3%
- RANK 0.63%
- PHOTO 0.29%
- BOOK $81.4M
- CHARTER 11,546
- NCUSIF #2,836/4,374
- CAMELS State Police Credit Union Inc.
- HEALTH 1542
Call Report peers
Gnc Community in the assets neighbourhood
Gnc Community's $81.4M assets sit next to State Police Credit Union Inc. ($81.4M) 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.
Gnc Community 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
79 33rd percentile higher than 33% 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
Gnc Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1542. See our deposit-insurance coverage note.
Gnc Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 64.73% here, 62.60% peer average (+2.13 pp).
- Largest lag: Return on Assets at 0.29% vs peer 0.66% (-0.37 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Gnc Community
- In Pennsylvania, health place is #164 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #94 of 275.
- Member book place in Pennsylvania: #62 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.
Gnc Community Call Report trajectory
Gnc Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $81.4M (2025Q4) to $85.6M (2026Q1).
- Net-worth ratio shifted -0.69 pp (15.96% → 15.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 11.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.5 pts
Gnc Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.27% | +1.65 pp |
| Delinquency Rate | 0.63% | -0.33 pp |
| Return on Assets | 0.29% | -0.37 pp |
| Member Growth | -7.96% | - |
| Loan-to-Share Ratio | 64.73% | +2.13 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $85.6M | - |
| 2025Q4 | $81.4M | 11,546 |
| 2024Q4 | $79.4M | 12,544 |
| 2023Q4 | $76.9M | 12,756 |
Credit Union Details
- Charter Number
- 1542
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- New Castle
- Data Quarter
- 2025Q4
Branch Locations (3)
Gnc Community operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| GNC Community FCU (Main Office) | New Castle, PA |
| Wilmington Branch | New Castle, PA |
| Sharetec Computer systems | Youngstown, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Gnc Community nationwide neighbourhoods
Gnc Community's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($81.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Gnc Community ranks #2,836 of 4,374 nationally on financial health and #164 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pittsburgh Firefighters' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pittsburgh Firefighters'
- 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 Gnc Community financially healthy?
Gnc Community has a financial health score of 79/100 (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 #2,836 of 4,374; by total assets it ranks #2,000 of 4,374 nationally (same basis as /rankings/largest); and #94 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 15.27% and delinquency rate of 0.63%.
How does Gnc Community compare to other credit unions?
Gnc Community scores 79/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Gnc Community?
Gnc Community 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 Gnc Community directly for the exact boundaries and application steps.
Is my money safe at Gnc Community?
Federal credit unions like Gnc Community 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. Gnc Community's net worth ratio of 15.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gnc Community offer compared to banks?
Credit unions like Gnc Community 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 Gnc Community 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.