Credit Union Safety Analysis
Is Glatco Credit Union Safe? Spring Grove, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Glatco Credit Union has a net worth ratio of 16.22%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.79%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Glatco Credit Union's net worth ratio is 16.22%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.22%
- Delinquency ratio (60+ days) (Q2 2026): 0.79%
- Return on assets (Q2 2026): 1.49%
- Loan-to-share ratio (Q2 2026): 21.16%
Glatco Credit Union (NCUA charter 63943, established 1977) reported $54.1M in assets and 2,969 members for Q2 2026 from Spring Grove, Pennsylvania. It ranks 117 of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.0% from $52.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 15.94% for Q1 2026; 15.07% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.22% for Q1 2026; 2.21% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.73% for Q1 2026; 1.54% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 20.97% for Q1 2026; 24.14% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.1M
- 1- to 4-family residential and other consumer real estate loans: $2.5M
- New vehicle loans: $1.7M
- Non-federally guaranteed student loans: $1.1M
- Other unsecured loans and lines of credit: $689K
- Unsecured credit card loans: $397K
- Other secured non-real estate loans and lines of credit: $171K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $54.1M | 16.22% | 0.79% | 1.49% | 21.16% |
| March 31, 2026 | $53.8M | 15.94% | 1.22% | 1.73% | 20.97% |
| December 31, 2025 | $51.8M | 16.11% | 1.41% | 1.29% | 23.11% |
| September 30, 2025 | $51.6M | 15.85% | 0.55% | 2.60% | 24.04% |
| June 30, 2025 | $52.0M | 15.07% | 2.21% | 1.54% | 24.14% |
| March 31, 2025 | $51.8M | 14.76% | 1.98% | 1.25% | 23.77% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 63943) · FFIEC NIC profile (RSSD 240897)
Frequently asked questions
Is Glatco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Glatco Credit Union's net worth ratio is 16.22%, above the 7% NCUA threshold for well capitalized.
Is Glatco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Glatco Credit Union is a federally insured credit union (NCUA charter 63943): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Glatco Credit Union's key safety ratios?
For Q2 2026, Glatco Credit Union reports net worth 16.22%, delinquency 0.79%, ROA 1.49%, loan-to-share 21.16%.
What happens to my money if Glatco Credit Union fails?
For Q2 2026, Glatco Credit Union held $45.3M in shares and deposits for 2,969 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.