Federal credit union · Newtown, Pennsylvania · NCUA charter #1759
INSPIRE
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $405.1M
- Total assets
- 17,870
- Members
- 10.5%
- Net-worth ratio
INSPIRE scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $405.1M; members 17,870; net-worth ratio 10.54%; health rank #404 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#404 of 4,374 health · 2025Q4INSPIRE · health 95/100 · $405.1M · 2025Q4
Call Report peers
INSPIRE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INSPIRE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INSPIRE sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where INSPIRE diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +22.96 pp (95.16% vs 72.20%).
- Net Worth Ratio trails the peer set - 10.54% here, 12.11% peer average (-1.57 pp).
INSPIRE in Pennsylvania
- Pennsylvania health ordinal: #19 of 275.
- Pennsylvania assets place: #28 of 275.
- Pennsylvania membership ordinal: #38 of 275.
- One place up in Pennsylvania, Norwin Teachers (#18) ties at 95/100; one place down, WIDGET (#20) ties at 95/100.
INSPIRE: 2025Q4 → 2026Q1
INSPIRE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.0% from $405.1M (2025Q4) to $397.1M (2026Q1).
- Net-worth ratio shifted -0.26 pp (10.80% → 10.54%).
10.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
INSPIRE gives up 5 points in total. Loan-to-Share Ratio costs the most, 2.3 of its 15; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 13.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.8 pts
Call Report ratios for INSPIRE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.54% | -1.57 pp |
| Delinquency Rate | 0.58% | -0.32 pp |
| Return on Assets | 0.37% | -0.26 pp |
| Member Growth | 7.87% | - |
| Loan-to-Share Ratio | 95.16% | +22.96 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
INSPIRE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $397.1M | - |
| 2025Q4 | $405.1M | 17,870 |
| 2024Q4 | $371.7M | 16,567 |
| 2023Q4 | $334.6M | 15,438 |
Credit Union Details
- Charter Number
- 1759
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Newtown
- Data Quarter
- 2025Q4
Branch Locations (5)
INSPIRE operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Newtown, PA |
| Bensalem Branch | Bensalem, PA |
| Bristol Branch | Bristol, PA |
| Langhorne Branch | Langhorne, PA |
| Newtown Branch | Newtown, 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.
INSPIRE nationwide neighbourhoods
Using this data
- INSPIRE ranks #404 of 4,374 nationally on financial health and #19 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Capital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Capital
Frequently Asked Questions
Is INSPIRE financially healthy?
On its 2025Q4 NCUA 5300 filing, INSPIRE scores 95/100 (Excellent), with a 10.54% net worth ratio and 0.58% of loans delinquent. It ranks #404 of 4,374 nationally on health and #19 of 275 in Pennsylvania.
How does INSPIRE compare to other credit unions?
INSPIRE scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.16% vs 72.20%). Its widest shortfall is net worth ratio (10.54% vs 12.11%).
How can I join INSPIRE?
INSPIRE 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 INSPIRE directly for the exact boundaries and application steps.
Is my money safe at INSPIRE?
INSPIRE is a federal credit union; its shares are federally 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. INSPIRE's net worth ratio of 10.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.