Federal credit union · POTTSTOWN, Pennsylvania · NCUA charter #6269
Tri County Area
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $201.6M
- Total assets
- 12,706
- Members
- 10.6%
- Net-worth ratio
Tri County Area scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $201.6M; members 12,706; net-worth ratio 10.63%; health rank #662 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#662 of 4,374 health · 2025Q4Tri County Area · health 93/100 · $201.6M · 2025Q4
- NW 93/100
- DELQ 10.6%
- ROA 0.27%
- ASSETS 1.17%
- MEM $201.6M
- RANK 12,706
- PHOTO #662/4,374
- BOOK Cooperative Choice Network
- CHARTER 6269
Call Report peers
Tri County Area in the assets neighbourhood
Tri County Area's $201.6M assets sit next to Cooperative Choice Network ($201.7M) 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.
Tri County 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
93 Top 16% higher than 84% 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
Tri County Area - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6269, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Tri County Area
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.63 pp (0.27% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.35 pp (61.85% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tri County Area: in-state Call Report ranks
- In Pennsylvania, health place is #32 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Tri County Area is #48 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #56 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.
Tri County Area Call Report trajectory
Tri County Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $201.6M (2025Q4) to $210.4M (2026Q1).
- Net-worth ratio shifted -0.25 pp (10.88% → 10.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 13.3 pts
Call Report ratios for Tri County Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.63% | -1.48 pp |
| Delinquency Rate | 0.27% | -0.63 pp |
| Return on Assets | 1.17% | +0.54 pp |
| Member Growth | 0.62% | - |
| Loan-to-Share Ratio | 61.85% | -10.35 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).
Call Report history - Tri County Area
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $210.4M | - |
| 2025Q4 | $201.6M | 12,706 |
| 2024Q4 | $189.7M | 12,628 |
| 2023Q4 | $183.9M | 12,730 |
Credit Union Details
- Charter Number
- 6269
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- POTTSTOWN
- Data Quarter
- 2025Q4
Branch Locations (4)
Tri County Area operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 1550 Medical Dr (Main Office) | Pottstown, PA |
| 110 Pottstown Ave | Pennsburg, PA |
| Pottsgrove High School | Pottstown, PA |
| Pottstown High School | Pottstown, 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.
Nationwide credit unions with similar profiles
Tri County 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 ($201.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Tri County Area ranks #662 of 4,374 nationally on financial health and #32 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DISCOVERY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DISCOVERY
- 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 Tri County Area financially healthy?
Tri County Area has a financial health score of 93/100 (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 #662 of 4,374; by total assets it ranks #1,272 of 4,374 nationally (same basis as /rankings/largest); and #48 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 10.63% and delinquency rate of 0.27%.
How does Tri County Area compare to other credit unions?
Five weighted metrics from NCUA filings produce Tri County Area's 93/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Tri County Area?
Tri County 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 Tri County Area directly for the exact boundaries and application steps.
Is my money safe at Tri County Area?
Federal credit unions like Tri County 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. Tri County Area's net worth ratio of 10.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tri County Area offer compared to banks?
Credit unions like Tri County 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 Tri County 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.