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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#34 of 4,374 health · 2025Q4Top Tier · health 100/100 · $254.0M · 2025Q4
- NW 100/100
- DELQ 10.0%
- ROA 0.51%
- ASSETS 0.91%
- MEM $254.0M
- RANK 17,259
- PHOTO #34/4,374
- BOOK SPC
- CHARTER 3655
Call Report peers
Top Tier in the assets neighbourhood
Top Tier's $254.0M assets sit next to SPC ($253.9M) 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.
Top Tier 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3655, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Top Tier
Top Tier: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.5% from $254.0M (2025Q4) to $267.8M (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.14% → 9.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Top Tier's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($254.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
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
- 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 Top Tier financially healthy?
Top Tier has a financial health score of 100/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #34 of 4,374; by total assets it ranks #1,127 of 4,374 nationally (same basis as /rankings/largest); and #40 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.98% and delinquency rate of 0.51%.
How does Top Tier compare to other credit unions?
PlainCU's health composite puts Top Tier at 100/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Top Tier 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. Top Tier's net worth ratio of 9.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Top Tier offer compared to banks?
Credit unions like Top Tier 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 Top Tier 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.