Federal credit union · Latrobe, Pennsylvania · NCUA charter #18775
Greater Latrobe Schools
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $2.1M
- Total assets
- 333
- Members
- 16.4%
- Net-worth ratio
Greater Latrobe Schools scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.1M; members 333; net-worth ratio 16.35%; health rank #1,587 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,587 of 4,374 health · 2025Q4Greater Latrobe Schools · health 87/100 · $2.1M · 2025Q4
- MEM 87/100
- RANK 16.4%
- PHOTO 0.00%
- BOOK 1.71%
- CHARTER $2.1M
- NCUSIF 333
- CAMELS #1,587/4,374
- HEALTH n/a
- NW 18775
Call Report peers
Greater Latrobe Schools carries $2.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Greater Latrobe Schools 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
87 Top 40% higher than 60% 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
Greater Latrobe Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #18775 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Greater Latrobe Schools
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Largest lag: Net Worth Ratio at 16.35% vs peer 19.06% (-2.71 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Greater Latrobe Schools: in-state Call Report ranks
- Health composite ranks #77 of 275 among scored Pennsylvania credit unions.
- Assets rank #257 of 275 inside Pennsylvania ($2.1M reported).
- Pennsylvania membership ordinal: #257 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.
Greater Latrobe Schools Call Report trajectory
Greater Latrobe Schools: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -7.2% from $2.2M (2024Q4) to $2.1M (2025Q4).
- Membership moved -2.9% from 343 to 333 over the same window.
- Net-worth ratio shifted -0.07 pp (16.42% → 16.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 13.2 pts
Greater Latrobe Schools health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.35% | -2.71 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.71% | +1.26 pp |
| Member Growth | -2.92% | - |
| Loan-to-Share Ratio | 61.26% | -2.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.1M | 333 |
| 2024Q4 | $2.2M | 343 |
| 2023Q4 | $2.3M | 348 |
Credit Union Details
- Charter Number
- 18775
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Latrobe
- Data Quarter
- 2025Q4
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Cross-state Call Report peers for Greater Latrobe Schools
Two NCUA Call Report peer sets for Greater Latrobe Schools, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Greater Latrobe Schools ranks #1,587 of 4,374 nationally on financial health and #77 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Penn Hills Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Penn Hills Municipal
- 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 Greater Latrobe Schools financially healthy?
Greater Latrobe Schools has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,587 of 4,374; by total assets it ranks #4,123 of 4,374 nationally (same basis as /rankings/largest); and #257 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 16.35% and delinquency rate of 0.00%.
How does Greater Latrobe Schools compare to other credit unions?
87/100 is Greater Latrobe Schools's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Greater Latrobe Schools?
Greater Latrobe Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Greater Latrobe Schools directly to confirm eligibility.
Is my money safe at Greater Latrobe Schools?
Federal credit unions like Greater Latrobe Schools 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. Greater Latrobe Schools's net worth ratio of 16.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Latrobe Schools offer compared to banks?
Credit unions like Greater Latrobe Schools 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 Greater Latrobe Schools 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.