Federal credit union · Clarion, Pennsylvania · NCUA charter #3655
Top Tier
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $254.0M
- Total assets
- 17,259
- Members
- 10.0%
- Net-worth ratio
Top Tier scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $254.0M; members 17,259; net-worth ratio 9.98%; health rank #34 of 4,374; healthier than 99th of scored peers.
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NCUA 5300 Call Report Masthead
#34 of 4,374 health · 2025Q4Top Tier · health 100/100 · $254.0M · 2025Q4
Call Report peers
Top Tier in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Top Tier vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Top Tier sits in 100 with 34 others.
100 Top 1% higher than 99% 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
Top Tier vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +13.42 pp (85.62% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.13 pp (9.98% vs 12.11%).
Top Tier in Pennsylvania
- Health composite ranks #1 of 275 among scored Pennsylvania credit unions.
- Assets rank #40 of 275 inside Pennsylvania ($254.0M reported).
- Pennsylvania membership ordinal: #40 of 275.
- No Pennsylvania credit union scores higher; the runner-up, I.B.E.W. - Local No. 5 (#2) scores 99/100, 1 point lower.
Quarter path for Top Tier
Top Tier: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.5% from $254.0M (2025Q4) to $267.8M (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.14% → 9.98%).
This credit union's 9.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 100/100 score is built
Top Tier gives up 0 points in total. Delinquency Rate costs the most, 0.1 of its 25; Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
Top Tier vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -2.13 pp |
| Delinquency Rate | 0.51% | -0.39 pp |
| Return on Assets | 0.91% | +0.29 pp |
| Member Growth | 6.61% | - |
| Loan-to-Share Ratio | 85.62% | +13.42 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Top Tier quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $267.8M | - |
| 2025Q4 | $254.0M | 17,259 |
| 2024Q4 | $220.1M | 16,189 |
| 2023Q4 | $194.1M | 14,902 |
Credit Union Details
- Charter Number
- 3655
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Clarion
- Data Quarter
- 2025Q4
Branch Locations (5)
Top Tier operates 5 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Top Tier Federal Credit Union (Main Office) | Clarion, PA |
| Top Tier Federal Credit Union Brookville Branch | Brookville, PA |
| Top Tier Federal Credit Union Butler Branch | Butler, PA |
| Top Tier Federal Credit Union Cranberry Branch | Cranberry, PA |
| Top Tier Federal Credit Union Hermitage Branch | Hermitage, PA |
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.
Other-state peers near Top Tier
Using this data
- Top Tier ranks #34 of 4,374 nationally on financial health and #1 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- USX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with USX
Frequently Asked Questions
Is Top Tier financially healthy?
Top Tier has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #34 of 4,374 nationally on health and #1 of 275 in Pennsylvania. Its net worth ratio is 9.98% and its delinquency rate 0.51%.
How does Top Tier compare to other credit unions?
Top Tier scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.62% vs 72.20%). Its widest shortfall is net worth ratio (9.98% vs 12.11%).
How can I join Top Tier?
Top Tier 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 Top Tier directly for the exact boundaries and application steps.
Is my money safe at Top Tier?
Top Tier 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. Top Tier's net worth ratio of 9.98% 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.