Federal credit union · North East, Pennsylvania · NCUA charter #8687
North East Welch
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $24.5M
- Total assets
- 2,648
- Members
- 16.7%
- Net-worth ratio
North East Welch scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.5M; members 2,648; net-worth ratio 16.65%; health rank #1,584 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,584 of 4,374 health · 2025Q4North East Welch · health 87/100 · $24.5M · 2025Q4
Call Report peers
North East Welch in the assets neighbourhood
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North East Welch vs every NCUA-scored credit union
North East Welch sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
North East Welch vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +7.99 pp (67.79% vs 59.80%).
Pennsylvania standing for North East Welch
- Pennsylvania health ordinal: #76 of 275.
- Assets rank #162 of 275 inside Pennsylvania ($24.5M reported).
- Membership ranks #146 of 275 among Pennsylvania CUs with a reported count (2,648 members).
- One place up in Pennsylvania, Police & Fire (#75) ties at 87/100; one place down, Greater Latrobe Schools (#77) ties at 87/100.
Quarter path for North East Welch
North East Welch: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $24.5M (2025Q4) to $25.6M (2026Q1).
- Net-worth ratio shifted -0.42 pp (17.07% → 16.65%).
16.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
North East Welch gives up 13 points in total. Member Growth costs the most, 12.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 2.4 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.65% | +1.79 pp |
| Delinquency Rate | 0.54% | -0.61 pp |
| Return on Assets | 1.43% | +0.72 pp |
| Member Growth | -3.64% | - |
| Loan-to-Share Ratio | 67.79% | +7.99 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.6M | - |
| 2025Q4 | $24.5M | 2,648 |
| 2024Q4 | $23.6M | 2,748 |
| 2023Q4 | $23.1M | 2,742 |
Credit Union Details
- Charter Number
- 8687
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- North East
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, North East Welch runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| North East Welch FCU (Main Office) | North East, PA |
| Westfield Branch | Westfield, NY |
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.
Other-state peers near North East Welch
Similar total assets
Similar health score
Using this data
- North East Welch ranks #1,584 of 4,374 nationally on financial health and #76 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N.F.G. #2 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N.F.G. #2
Frequently Asked Questions
Is North East Welch financially healthy?
North East Welch has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,584 of 4,374 nationally on health and #76 of 275 in Pennsylvania. Its net worth ratio is 16.65% and its delinquency rate 0.54%.
How does North East Welch compare to other credit unions?
North East Welch scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (67.79% vs 59.80%).
How can I join North East Welch?
North East Welch 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 North East Welch directly for the exact boundaries and application steps.
Is my money safe at North East Welch?
North East Welch 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. North East Welch's net worth ratio of 16.65% 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.