Federal credit union · LATROBE, Pennsylvania · NCUA charter #6689
LATROBE
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $13.6M
- Total assets
- 1,630
- Members
- 11.3%
- Net-worth ratio
LATROBE scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.6M; members 1,630; net-worth ratio 11.26%; health rank #2,988 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,988 of 4,374 health · 2025Q4LATROBE · health 78/100 · $13.6M · 2025Q4
Call Report peers
LATROBE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LATROBE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LATROBE sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
Where LATROBE diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.11% vs peer 1.15% (-1.03 pp).
- Loan-to-Share Ratio trails the peer set - 28.35% here, 59.80% peer average (-31.45 pp).
Pennsylvania standing for LATROBE
- Pennsylvania health ordinal: #179 of 275.
- By total assets, LATROBE is #196 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #180 of 275.
- One place up in Pennsylvania, U.a.L.U. 354 (#178) ties at 78/100; one place down, Belco Community Credit Union (#180) ties at 78/100.
LATROBE: 2025Q4 → 2026Q1
LATROBE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $13.6M (2025Q4) to $14.1M (2026Q1).
- Net-worth ratio shifted -0.51 pp (11.77% → 11.26%).
This credit union's 11.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
LATROBE gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.7 pts
Call Report ratios for LATROBE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.26% | -3.60 pp |
| Delinquency Rate | 0.11% | -1.03 pp |
| Return on Assets | 0.45% | -0.25 pp |
| Member Growth | -6.54% | - |
| Loan-to-Share Ratio | 28.35% | -31.45 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.1M | - |
| 2025Q4 | $13.6M | 1,630 |
| 2024Q4 | $14.5M | 1,744 |
| 2023Q4 | $14.0M | 1,835 |
Credit Union Details
- Charter Number
- 6689
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- LATROBE
- Data Quarter
- 2025Q4
Branch Locations (2)
LATROBE operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Latrobe FCU (Main Office) | Latrobe, PA |
| Sharetec, LLC | Fort Wayne, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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 LATROBE
Similar total assets
Similar health score
Using this data
- LATROBE ranks #2,988 of 4,374 nationally on financial health and #179 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dow Bucks County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dow Bucks County
Frequently Asked Questions
Is LATROBE financially healthy?
On its 2025Q4 NCUA 5300 filing, LATROBE scores 78/100 (Very Good), with a 11.26% net worth ratio and 0.11% of loans delinquent. It ranks #2,988 of 4,374 nationally on health and #179 of 275 in Pennsylvania.
How does LATROBE compare to other credit unions?
LATROBE scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.11% vs 1.15%). Its widest shortfall is loan-to-share ratio (28.35% vs 59.80%).
How can I join LATROBE?
LATROBE 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 LATROBE directly for the exact boundaries and application steps.
Is my money safe at LATROBE?
LATROBE 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. LATROBE's net worth ratio of 11.26% 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.