Grove City Federal Credit Union Grove City, Pennsylvania
Grove City Federal Credit Union is a federal credit union headquartered in Grove City, PA, established in 1950 (NCUA charter 6722), and it is regulated and insured by the NCUA. At Q2 2026 it reported 9,677 members and total assets of $152.8M (up 9.9% from Q2 2025), the 59th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 15.26% at Q2 2026, in the well capitalized band.
Also written as Grove City FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6722
- Headquarters
- Grove City, PA
- Established
- 1950
- Total assets, Q2 2026
- $152.8M
- Assets vs Q2 2025
- +9.9%
- Members, Q2 2026
- 9,677
- Net worth ratio, Q2 2026
- 15.26%
- Latest call report
- Q2 2026, NCUA 5300 · Grove City Federal Credit Union call report
- Asset rank in state
- 59th of 269 in Pennsylvania
- Routing number
- 243381845
- Branches
- 3
It has 187 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.50 percentage points from 14.76% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $40.1M of $72.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.33% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.26% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Grove City Federal Credit Union
Reznor Federal Credit Union (2015)
Frequently asked about Grove City Federal Credit Union
How big is Grove City Federal Credit Union?
At Q2 2026 it reported total assets of $152.8M and 9,677 members.
Where is Grove City Federal Credit Union headquartered?
It is headquartered in Grove City, PA, United States.
When was Grove City Federal Credit Union founded?
It was established in 1950, per NCUA records.
Is Grove City Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6722): 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 Grove City Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Grove City Federal Credit Union well capitalized?
Its net worth ratio was 15.26% 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 Grove City Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.33% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Grove City Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.17% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Grove City, PA 16127
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 6722
- RSSD ID
- 752381
- Members
- 9,677
- Potential members
- 30,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.26% | 11.43% | 85th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.98% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 12.99% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.61% | 3.70% | 45th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 52.46% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.98% | 1.24% | 70th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.33% | 0.68% | 20th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.60% | 4.92% | 29th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 56.17% | 75.66% | 18th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$152.8M total assets against $139.0M; $129.4M total shares and deposits against $118.5M; $72.7M total loans against $69.0M.
$23.3M net worth against $20.5M.
15.26% net worth ratio against 14.76%.
56.17% loan-to-share ratio against 58.25%.
1.33% delinquency ratio against 1.33%.
1.98% return on assets against 1.62%; 12.99% return on equity against 10.98%.
3.61% net interest margin against 3.57%.
9,677 members against 9,490.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.26% | 1.98% | 1.33% | 56.17% |
| March 31, 2026 | 15.17% | 1.75% | 1.36% | 55.35% |
| December 31, 2025 | 15.22% | 2.06% | 1.36% | 58.95% |
| September 30, 2025 | 15.18% | 1.99% | 1.28% | 60.63% |
| June 30, 2025 | 14.76% | 1.62% | 1.33% | 58.25% |
| March 31, 2025 | 14.73% | 1.39% | 1.77% | 57.26% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.