Federal credit union · WARREN, Pennsylvania · NCUA charter #9776
N.F.G. #2
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $24.6M
- Total assets
- 1,950
- Members
- 15.1%
- Net-worth ratio
N.F.G. #2 scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.6M; members 1,950; net-worth ratio 15.08%; health rank #3,521 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,521 of 4,374 health · 2025Q4N.F.G. #2 · health 71/100 · $24.6M · 2025Q4
- DELQ 71/100
- ROA 15.1%
- ASSETS 1.17%
- MEM 0.71%
- RANK $24.6M
- PHOTO 1,950
- BOOK #3,521/4,374
- CHARTER Ok Members First
- NCUSIF 9776
Call Report peers
N.F.G. #2 in the assets neighbourhood
N.F.G. #2's $24.6M assets sit next to Ok Members First ($24.5M) 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.
N.F.G. #2 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
71 18th percentile higher than 18% 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
N.F.G. #2 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9776 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
N.F.G. #2: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 15.08% here, 14.86% peer average (+0.22 pp).
- Largest lag: Loan-to-Share Ratio at 18.84% vs peer 59.80% (-40.96 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
N.F.G. #2 in Pennsylvania
- Health composite ranks #217 of 275 among scored Pennsylvania credit unions.
- By total assets, N.F.G. #2 is #161 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #164 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.
N.F.G. #2 Call Report trajectory
N.F.G. #2: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $24.6M (2025Q4) to $24.9M (2026Q1).
- Net-worth ratio shifted +0.00 pp (15.08% → 15.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.3 pts
Call Report ratios for N.F.G. #2
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.08% | +0.22 pp |
| Delinquency Rate | 1.17% | +0.02 pp |
| Return on Assets | 0.71% | +0.01 pp |
| Member Growth | -5.29% | - |
| Loan-to-Share Ratio | 18.84% | -40.96 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 - N.F.G. #2
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.9M | - |
| 2025Q4 | $24.6M | 1,950 |
| 2024Q4 | $24.1M | 2,059 |
| 2023Q4 | $24.7M | 2,178 |
Credit Union Details
- Charter Number
- 9776
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- WARREN
- Data Quarter
- 2025Q4
Branch Location
N.F.G. #2 operates a single office in Warren, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| nfg #2 FCU (Main Office) | Warren, PA |
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.
- NORTH EAST WELCHNorth East, PA · $10M–$50M87Health
- HONEYWELL PHILADELPHIA DIVFt Washington, PA · $10M–$50M54Health
- ALLEGHENY LUDLUM BRACKENRIDGEBRACKENRIDGE, PA · $10M–$50M83Health
- WESTMORELAND WATERGreensburg, PA · $10M–$50M87Health
- VA PITTSBURGH EMPLOYEESPittsburgh, PA · $10M–$50M79Health
Other-state peers near N.F.G. #2
N.F.G. #2's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- N.F.G. #2 ranks #3,521 of 4,374 nationally on financial health and #217 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North East Welch is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North East Welch
- 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 N.F.G. #2 financially healthy?
N.F.G. #2 scores 71/100 (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 #3,521 of 4,374; by total assets it ranks #3,008 of 4,374 nationally (same basis as /rankings/largest); and #161 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.08% net worth ratio and a 1.17% delinquency rate.
How does N.F.G. #2 compare to other credit unions?
71/100 is N.F.G. #2's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 N.F.G. #2?
N.F.G. #2 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 N.F.G. #2 directly for the exact boundaries and application steps.
Is my money safe at N.F.G. #2?
Federal credit unions like N.F.G. #2 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. N.F.G. #2's net worth ratio of 15.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does N.F.G. #2 offer compared to banks?
Credit unions like N.F.G. #2 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 N.F.G. #2 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.