Federal credit union · NEW CASTLE, Pennsylvania · NCUA charter #8903
New Castle Bellco
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $14.4M
- Total assets
- 972
- Members
- 11.5%
- Net-worth ratio
New Castle Bellco scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.4M; members 972; net-worth ratio 11.49%; health rank #1,464 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,464 of 4,374 health · 2025Q4New Castle Bellco · health 88/100 · $14.4M · 2025Q4
- DELQ 88/100
- ROA 11.5%
- ASSETS 0.13%
- MEM 0.70%
- RANK $14.4M
- PHOTO 972
- BOOK #1,464/4,374
- CHARTER PROFINANCE
- NCUSIF 8903
Call Report peers
New Castle Bellco in the assets neighbourhood
New Castle Bellco's $14.4M assets sit next to PROFINANCE ($14.4M) 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.
New Castle Bellco 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
New Castle Bellco - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8903, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
New Castle Bellco: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.13% vs peer 1.15% (-1.01 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.49 pp (55.31% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where New Castle Bellco sits in Pennsylvania
- In Pennsylvania, health place is #67 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #189 of 275 inside Pennsylvania ($14.4M reported).
- Pennsylvania membership ordinal: #215 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 New Castle Bellco
New Castle Bellco: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $14.4M (2025Q4) to $15.2M (2026Q1).
- Net-worth ratio shifted -0.46 pp (11.95% → 11.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.49%, 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 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 11.2 pts
Call Report ratios for New Castle Bellco
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.49% | -3.37 pp |
| Delinquency Rate | 0.13% | -1.01 pp |
| Return on Assets | 0.70% | -0.00 pp |
| Member Growth | -1.22% | - |
| Loan-to-Share Ratio | 55.31% | -4.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - New Castle Bellco
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.2M | - |
| 2025Q4 | $14.4M | 972 |
| 2024Q4 | $11.4M | 984 |
| 2023Q4 | $11.4M | 981 |
Credit Union Details
- Charter Number
- 8903
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- NEW CASTLE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, New Castle Bellco runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| NEW CASTLE BELLCO FCU (Main Office) | New Castle, PA |
| HOME | Youngstown, OH |
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
Two NCUA Call Report peer sets for New Castle Bellco, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- New Castle Bellco ranks #1,464 of 4,374 nationally on financial health and #67 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Transit Workers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Transit Workers
- 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 New Castle Bellco financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - New Castle Bellco's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,464 of 4,374; by total assets it ranks #3,341 of 4,374 nationally (same basis as /rankings/largest); and #189 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.49% net worth ratio and 0.13% delinquency rate are the key drivers.
How does New Castle Bellco compare to other credit unions?
Five weighted metrics from NCUA filings produce New Castle Bellco's 88/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 New Castle Bellco?
New Castle Bellco 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 New Castle Bellco directly for the exact boundaries and application steps.
Is my money safe at New Castle Bellco?
Federal credit unions like New Castle Bellco 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. New Castle Bellco's net worth ratio of 11.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Castle Bellco offer compared to banks?
Credit unions like New Castle Bellco 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 New Castle Bellco 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.