Glatco Credit Union Spring Grove, Pennsylvania
Glatco Credit Union is a state-chartered credit union headquartered in Spring Grove, PA, established in 1977 (NCUA charter 63943), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,969 members and total assets of $54.1M (up 4.0% from Q2 2025), the 117th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 16.22% at Q2 2026, in the well capitalized band.
Also written as Glatco CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63943
- Headquarters
- Spring Grove, PA
- Established
- 1977
- Total assets, Q2 2026
- $54.1M
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 2,969
- Net worth ratio, Q2 2026
- 16.22%
- Latest call report
- Q2 2026, NCUA 5300 · Glatco Credit Union call report
- Asset rank in state
- 117th of 269 in Pennsylvania
- Routing number
- 231387974
- Branches
- 5
It has 33 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 1.15 percentage points from 15.07% on June 30, 2025. Used vehicle loans are its largest loan category, $3.1M of $9.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.79% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.22% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Glatco Credit Union
How big is Glatco Credit Union?
At Q2 2026 it reported total assets of $54.1M and 2,969 members.
Where is Glatco Credit Union headquartered?
It is headquartered in Spring Grove, PA, United States.
When was Glatco Credit Union founded?
It was established in 1977, per NCUA records.
Is Glatco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63943): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Glatco Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Glatco Credit Union well capitalized?
Its net worth ratio was 16.22% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Glatco Credit Union's delinquency ratio?
Its delinquency ratio was 0.79% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Glatco Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 21.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Spring Grove, PA 17362
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1977
- NCUA Charter #
- 63943
- RSSD ID
- 240897
- Members
- 2,969
- Potential members
- 13,236
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.22% | 14.31% | 59th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.49% | 0.72% | 80th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.21% | 4.74% | 77th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.69% | 3.93% | 40th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 57.24% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.34% | 0.78% | 77th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.79% | 0.86% | 53rd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.03% | 4.70% | 20th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 21.16% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$54.1M total assets against $52.0M; $45.3M total shares and deposits against $44.1M; $9.6M total loans against $10.7M.
$8.8M net worth against $7.8M.
16.22% net worth ratio against 15.07%.
21.16% loan-to-share ratio against 24.14%.
0.79% delinquency ratio against 2.21%.
1.49% return on assets against 1.54%; 9.21% return on equity against 10.23%.
3.69% net interest margin against 3.66%.
2,969 members against 3,002.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.22% | 1.49% | 0.79% | 21.16% |
| March 31, 2026 | 15.94% | 1.73% | 1.22% | 20.97% |
| December 31, 2025 | 16.11% | 1.29% | 1.41% | 23.11% |
| September 30, 2025 | 15.85% | 2.60% | 0.55% | 24.04% |
| June 30, 2025 | 15.07% | 1.54% | 2.21% | 24.14% |
| March 31, 2025 | 14.76% | 1.25% | 1.98% | 23.77% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.