Federal credit union · GROVE CITY, Pennsylvania · NCUA charter #6722
Grove City Area
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $143.9M
- Total assets
- 9,574
- Members
- 15.2%
- Net-worth ratio
Grove City Area scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $143.9M; members 9,574; net-worth ratio 15.17%; health rank #1,775 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,775 of 4,374 health · 2025Q4Grove City Area · health 86/100 · $143.9M · 2025Q4
- DELQ 86/100
- ROA 15.2%
- ASSETS 1.36%
- MEM 1.56%
- RANK $143.9M
- PHOTO 9,574
- BOOK #1,775/4,374
- CHARTER TRIUS
- NCUSIF 6722
Call Report peers
Grove City Area in the assets neighbourhood
Grove City Area's $143.9M assets sit next to TRIUS ($144.0M) 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.
Grove City Area 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
86 Top 43% higher than 57% 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
Grove City Area - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6722, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Grove City Area
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +3.06 pp (15.17% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.25 pp (58.95% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Grove City Area in Pennsylvania
- Pennsylvania health ordinal: #85 of 275.
- By total assets, Grove City Area is #62 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #69 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.
Grove City Area: 2025Q4 → 2026Q1
Grove City Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $143.9M (2025Q4) to $148.7M (2026Q1).
- Net-worth ratio shifted -0.05 pp (15.22% → 15.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.3 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 12.4 pts
Grove City Area vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.17% | +3.06 pp |
| Delinquency Rate | 1.36% | +0.47 pp |
| Return on Assets | 1.56% | +0.94 pp |
| Member Growth | 1.92% | - |
| Loan-to-Share Ratio | 58.95% | -13.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Grove City Area filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $148.7M | - |
| 2025Q4 | $143.9M | 9,574 |
| 2024Q4 | $130.7M | 9,394 |
| 2023Q4 | $121.2M | 9,209 |
Credit Union Details
- Charter Number
- 6722
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- GROVE CITY
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Grove City Area runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| GROVE CITY AREA FCU (Main Office) | GROVE CITY, PA |
| CompuSource Systems | Amherst, NY |
| GROVE CITY AREA FCU | GROVE CITY, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Grove City Area - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($143.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Grove City Area ranks #1,775 of 4,374 nationally on financial health and #85 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CITYMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CITYMARK
- 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 Grove City Area financially healthy?
Grove City Area scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,775 of 4,374; by total assets it ranks #1,521 of 4,374 nationally (same basis as /rankings/largest); and #62 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.17% net worth ratio and a 1.36% delinquency rate.
How does Grove City Area compare to other credit unions?
On PlainCU's health composite, Grove City Area lands at 86/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Grove City Area?
Grove City Area 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 Grove City Area directly for the exact boundaries and application steps.
Is my money safe at Grove City Area?
Federal credit unions like Grove City Area 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. Grove City Area's net worth ratio of 15.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Grove City Area offer compared to banks?
Credit unions like Grove City Area 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 Grove City Area 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.