Federal credit union · Slippery Rock, Pennsylvania · NCUA charter #12654
SRU
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $65.0M
- Total assets
- 4,412
- Members
- 12.6%
- Net-worth ratio
SRU scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.0M; members 4,412; net-worth ratio 12.60%; health rank #493 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#493 of 4,374 health · 2025Q4SRU · health 94/100 · $65.0M · 2025Q4
- NW 94/100
- DELQ 12.6%
- ROA 0.93%
- ASSETS 0.75%
- MEM $65.0M
- RANK 4,412
- PHOTO #493/4,374
- BOOK Gp Louisiana
- CHARTER 12654
Call Report peers
SRU in the assets neighbourhood
SRU's $65.0M assets sit next to Gp Louisiana ($65.0M) 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.
SRU 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
94 Top 13% higher than 87% 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
SRU - Share Insurance Coverage
Charter #12654's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
SRU vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +5.16 pp (67.76% vs 62.60%).
- Net Worth Ratio trails the peer set - 12.60% here, 13.62% peer average (-1.02 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for SRU
- Pennsylvania health ordinal: #24 of 275.
- By total assets, SRU is #108 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #114 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 SRU
SRU: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $65.0M (2025Q4) to $66.2M (2026Q1).
- Net-worth ratio shifted +0.10 pp (12.50% → 12.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 15.0 pts
- Member Growth 13.7 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for SRU
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.60% | -1.02 pp |
| Delinquency Rate | 0.93% | -0.03 pp |
| Return on Assets | 0.75% | +0.09 pp |
| Member Growth | 3.93% | - |
| Loan-to-Share Ratio | 67.76% | +5.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - SRU
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.2M | - |
| 2025Q4 | $65.0M | 4,412 |
| 2024Q4 | $61.8M | 4,245 |
| 2023Q4 | $59.3M | 4,054 |
Credit Union Details
- Charter Number
- 12654
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Slippery Rock
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for SRU.
| Office | City |
|---|---|
| SRU Federal Credit Union (Main Office) | Slippery Rock, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
SRU nationwide neighbourhoods
Two NCUA Call Report peer sets for SRU, 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 ($65.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- SRU ranks #493 of 4,374 nationally on financial health and #24 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Superior Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Superior Credit Union
- 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 SRU financially healthy?
A 12.60% net worth ratio and a 0.93% delinquency rate feed into SRU's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #493 of 4,374; by total assets it ranks #2,195 of 4,374 nationally (same basis as /rankings/largest); and #108 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SRU compare to other credit unions?
On PlainCU's health composite, SRU lands at 94/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 SRU?
SRU 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 SRU directly for the exact boundaries and application steps.
Is my money safe at SRU?
Federal credit unions like SRU 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. SRU's net worth ratio of 12.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SRU offer compared to banks?
Credit unions like SRU 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 SRU 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.