Federal credit union · SAYRE, Pennsylvania · NCUA charter #23394
Guthrie Community
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $120.7M
- Total assets
- 7,337
- Members
- 10.7%
- Net-worth ratio
Guthrie Community scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $120.7M; members 7,337; net-worth ratio 10.65%; health rank #1,486 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,486 of 4,374 health · 2025Q4Guthrie Community · health 88/100 · $120.7M · 2025Q4
- BOOK 88/100
- CHARTER 10.7%
- NCUSIF 0.62%
- CAMELS 0.39%
- HEALTH $120.7M
- NW 7,337
- DELQ #1,486/4,374
- ROA NOVA
- ASSETS 23394
Call Report peers
Guthrie Community in the assets neighbourhood
Guthrie Community's $120.7M assets sit next to NOVA ($120.7M) 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.
Guthrie 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
88 Top 35% higher than 65% 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
Guthrie Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23394 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Guthrie Community: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.62% here, 0.89% peer average (-0.27 pp).
- Largest lag: Loan-to-Share Ratio at 56.16% vs peer 72.20% (-16.04 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Guthrie Community
- Pennsylvania health ordinal: #69 of 275.
- Pennsylvania assets place: #78 of 275.
- Member book place in Pennsylvania: #87 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.
How Guthrie Community's 5300 filing moved
Guthrie Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $120.7M (2025Q4) to $124.4M (2026Q1).
- Net-worth ratio shifted -0.22 pp (10.87% → 10.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.65%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 13.4 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 11.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.65% | -1.46 pp |
| Delinquency Rate | 0.62% | -0.27 pp |
| Return on Assets | 0.39% | -0.23 pp |
| Member Growth | 0.27% | - |
| Loan-to-Share Ratio | 56.16% | -16.04 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $124.4M | - |
| 2025Q4 | $120.7M | 7,337 |
| 2024Q4 | $114.9M | 7,317 |
| 2023Q4 | $105.8M | 7,320 |
Credit Union Details
- Charter Number
- 23394
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- SAYRE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Guthrie Community, spread across 2 cities.
| Office | City |
|---|---|
| Elmer Ave Office (Main Office) | Sayre, PA |
| Troy Office | troy, 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.
Cross-state Call Report peers for Guthrie Community
Cross-state asset and health neighbours for Guthrie Community - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($120.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Guthrie Community ranks #1,486 of 4,374 nationally on financial health and #69 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INGERSOLL-RAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INGERSOLL-RAND
- 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 Guthrie Community financially healthy?
Guthrie Community has a financial health score of 88/100 (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 #1,486 of 4,374; by total assets it ranks #1,670 of 4,374 nationally (same basis as /rankings/largest); and #78 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 10.65% and delinquency rate of 0.62%.
How does Guthrie Community compare to other credit unions?
PlainCU's health composite puts Guthrie Community at 88/100, compared to a peer group average for $100M–$500M 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 Guthrie Community?
Guthrie 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 Guthrie Community directly for the exact boundaries and application steps.
Is my money safe at Guthrie Community?
Federal credit unions like Guthrie 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. Guthrie Community's net worth ratio of 10.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Guthrie Community offer compared to banks?
Credit unions like Guthrie 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 Guthrie 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.