Federal credit union · New Stanton, Pennsylvania · NCUA charter #4088
Stanwood Area
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $18.2M
- Total assets
- 2,255
- Members
- 10.4%
- Net-worth ratio
Stanwood Area scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.2M; members 2,255; net-worth ratio 10.45%; health rank #2,150 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,150 of 4,374 health · 2025Q4Stanwood Area · health 84/100 · $18.2M · 2025Q4
- CHARTER 84/100
- NCUSIF 10.4%
- CAMELS 1.57%
- HEALTH 0.36%
- NW $18.2M
- DELQ 2,255
- ROA #2,150/4,374
- ASSETS South Coast Ilwu
- MEM 4088
Call Report peers
Stanwood Area in the assets neighbourhood
Stanwood Area's $18.2M assets sit next to South Coast Ilwu ($18.2M) 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.
Stanwood Area 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
84 Top 50% higher than 50% 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
Stanwood Area - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4088. See our deposit-insurance coverage note.
Where Stanwood Area diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +5.04 pp (64.84% vs 59.80%).
- Net Worth Ratio trails the peer set - 10.45% here, 14.86% peer average (-4.41 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Stanwood Area: in-state Call Report ranks
- In Pennsylvania, health place is #104 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #178 of 275.
- Membership ranks #157 of 275 among Pennsylvania CUs with a reported count (2,255 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Stanwood Area: 2025Q4 → 2026Q1
Stanwood Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $18.2M (2025Q4) to $18.4M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.54% → 10.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.7 pts
- Return on Assets 12.9 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for Stanwood Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.45% | -4.41 pp |
| Delinquency Rate | 1.57% | +0.43 pp |
| Return on Assets | 0.36% | -0.34 pp |
| Member Growth | 1.76% | - |
| Loan-to-Share Ratio | 64.84% | +5.04 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).
Stanwood Area filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.4M | - |
| 2025Q4 | $18.2M | 2,255 |
| 2024Q4 | $17.8M | 2,216 |
| 2023Q4 | $18.8M | 2,198 |
Credit Union Details
- Charter Number
- 4088
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- New Stanton
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Stanwood Area, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | New Stanton, PA |
| Compu Source Systems, Inc. | Amherst, NY |
| Norwin Teachers Federal Credit Union | N Huntingdon, 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.
Other-state peers near Stanwood Area
Stanwood Area's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Stanwood Area ranks #2,150 of 4,374 nationally on financial health and #104 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fayette Federal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fayette Federal Employees
- 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 Stanwood Area financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Stanwood Area'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 #2,150 of 4,374; by total assets it ranks #3,203 of 4,374 nationally (same basis as /rankings/largest); and #178 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.45% net worth ratio and 1.57% delinquency rate are the key drivers.
How does Stanwood Area compare to other credit unions?
PlainCU's health composite puts Stanwood Area at 84/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Stanwood Area?
Stanwood Area 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 Stanwood Area directly for the exact boundaries and application steps.
Is my money safe at Stanwood Area?
Federal credit unions like Stanwood Area 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. Stanwood Area's net worth ratio of 10.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Stanwood Area offer compared to banks?
Credit unions like Stanwood Area 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 Stanwood Area 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.