Federal credit union · Washington, Pennsylvania · NCUA charter #10047
WABELLCO
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $12.0M
- Total assets
- 1,109
- Members
- 9.2%
- Net-worth ratio
WABELLCO scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.0M; members 1,109; net-worth ratio 9.23%; health rank #4,004 of 4,374; healthier than 8th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,004 of 4,374 health · 2025Q4WABELLCO · health 62/100 · $12.0M · 2025Q4
- HEALTH 62/100
- NW 9.2%
- DELQ 0.20%
- ROA -0.53%
- ASSETS $12.0M
- MEM 1,109
- RANK #4,004/4,374
- PHOTO Anco Community
- BOOK 10047
Call Report peers
WABELLCO in the assets neighbourhood
WABELLCO's $12.0M assets sit next to Anco Community ($12.1M) 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.
WABELLCO 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
62 8th percentile higher than 8% 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
WABELLCO - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10047, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
WABELLCO: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.20% here, 1.15% peer average (-0.95 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.43 pp (33.37% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WABELLCO in Pennsylvania
- In Pennsylvania, health place is #249 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, WABELLCO is #205 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #208 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.
WABELLCO Call Report trajectory
WABELLCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $12.0M (2025Q4) to $12.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.39% → 9.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.23% | -5.63 pp |
| Delinquency Rate | 0.20% | -0.95 pp |
| Return on Assets | -0.53% | -1.23 pp |
| Member Growth | -5.70% | - |
| Loan-to-Share Ratio | 33.37% | -26.43 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.4M | - |
| 2025Q4 | $12.0M | 1,109 |
| 2024Q4 | $12.3M | 1,176 |
| 2023Q4 | $13.4M | 1,276 |
Credit Union Details
- Charter Number
- 10047
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Washington
- Data Quarter
- 2025Q4
Branch Location
WABELLCO operates a single office in Washington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wabellco Federal Credit Union (Main Office) | Washington, 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 WABELLCO
WABELLCO's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- WABELLCO ranks #4,004 of 4,374 nationally on financial health and #249 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pennsylvania-American Water is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pennsylvania-American Water
- 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 WABELLCO financially healthy?
Yes/no aside, the number is 62/100 (Good) - WABELLCO'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 #4,004 of 4,374; by total assets it ranks #3,457 of 4,374 nationally (same basis as /rankings/largest); and #205 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.23% net worth ratio and 0.20% delinquency rate are the key drivers.
How does WABELLCO compare to other credit unions?
62/100 is WABELLCO's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 WABELLCO?
WABELLCO 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 WABELLCO directly for the exact boundaries and application steps.
Is my money safe at WABELLCO?
Federal credit unions like WABELLCO 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. WABELLCO's net worth ratio of 9.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WABELLCO offer compared to banks?
Credit unions like WABELLCO 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 WABELLCO 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.