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
Call Report peers
WABELLCO in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); WABELLCO sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Pennsylvania, Spirit Financial (#248) ties at 62/100; one place down, FRIENDLY (#250) scores 60/100, 2 points lower.
WABELLCO Call Report trajectory
WABELLCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $12.0M (2025Q4) to $12.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.39% → 9.23%).
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
WABELLCO gives up 38 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is WABELLCO financially healthy?
On its 2025Q4 NCUA 5300 filing, WABELLCO scores 62/100 (Good), with a 9.23% net worth ratio and 0.20% of loans delinquent. It ranks #4,004 of 4,374 nationally on health and #249 of 275 in Pennsylvania.
How does WABELLCO compare to other credit unions?
WABELLCO scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.20% vs 1.15%). Its widest shortfall is loan-to-share ratio (33.37% vs 59.80%).
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?
WABELLCO 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. WABELLCO's net worth ratio of 9.23% 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.