Federal credit union · Sayre, Pennsylvania · NCUA charter #14425
INGERSOLL-RAND
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $122.1M
- Total assets
- 8,188
- Members
- 13.5%
- Net-worth ratio
INGERSOLL-RAND scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $122.1M; members 8,188; net-worth ratio 13.48%; health rank #3,084 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,084 of 4,374 health · 2025Q4INGERSOLL-RAND · health 77/100 · $122.1M · 2025Q4
- CAMELS 77/100
- HEALTH 13.5%
- NW 2.39%
- DELQ 0.17%
- ROA $122.1M
- ASSETS 8,188
- MEM #3,084/4,374
- RANK Illinois State Police
- PHOTO 14425
Call Report peers
INGERSOLL-RAND in the assets neighbourhood
INGERSOLL-RAND's $122.1M assets sit next to Illinois State Police ($122.2M) 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.
INGERSOLL-RAND 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
INGERSOLL-RAND - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14425: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for INGERSOLL-RAND
- Net Worth Ratio leads the peer set - 13.48% here, 12.11% peer average (+1.37 pp).
- Loan-to-Share Ratio trails the peer set - 64.12% here, 72.20% peer average (-8.08 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
INGERSOLL-RAND in Pennsylvania
- In Pennsylvania, health place is #191 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, INGERSOLL-RAND is #77 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #79 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 INGERSOLL-RAND
INGERSOLL-RAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $122.1M (2025Q4) to $125.0M (2026Q1).
- Net-worth ratio shifted -0.39 pp (13.87% → 13.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.48% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under 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 10.1 pts
- Return on Assets 10.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 13.5 pts
INGERSOLL-RAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.48% | +1.37 pp |
| Delinquency Rate | 2.39% | +1.49 pp |
| Return on Assets | 0.17% | -0.45 pp |
| Member Growth | 3.70% | - |
| Loan-to-Share Ratio | 64.12% | -8.08 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).
INGERSOLL-RAND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $125.0M | - |
| 2025Q4 | $122.1M | 8,188 |
| 2024Q4 | $117.1M | 7,896 |
| 2023Q4 | $100.2M | 7,305 |
Credit Union Details
- Charter Number
- 14425
- 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 INGERSOLL-RAND, spread across 2 cities.
| Office | City |
|---|---|
| Ingersoll-Rand Federal Credit Union (Main Office) | Sayre, PA |
| Wysox Branch | Wysox, 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 INGERSOLL-RAND
Cross-state asset and health neighbours for INGERSOLL-RAND - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($122.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- INGERSOLL-RAND ranks #3,084 of 4,374 nationally on financial health and #191 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Guthrie Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Guthrie 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 INGERSOLL-RAND financially healthy?
INGERSOLL-RAND scores 77/100 (Very Good) 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 #3,084 of 4,374; by total assets it ranks #1,661 of 4,374 nationally (same basis as /rankings/largest); and #77 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.48% net worth ratio and a 2.39% delinquency rate.
How does INGERSOLL-RAND compare to other credit unions?
Five weighted metrics from NCUA filings produce INGERSOLL-RAND's 77/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 INGERSOLL-RAND?
INGERSOLL-RAND 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 INGERSOLL-RAND directly for the exact boundaries and application steps.
Is my money safe at INGERSOLL-RAND?
Federal credit unions like INGERSOLL-RAND 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. INGERSOLL-RAND's net worth ratio of 13.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INGERSOLL-RAND offer compared to banks?
Credit unions like INGERSOLL-RAND 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 INGERSOLL-RAND 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.