Inspire Federal Credit Union Newtown, Pennsylvania
Inspire Federal Credit Union is a federal credit union headquartered in Newtown, PA, established in 1936 (NCUA charter 1759), and it is regulated and insured by the NCUA. At Q2 2026 it reported 18,429 members and total assets of $392.1M (up 0.7% from Q2 2025), the 28th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 10.52% at Q2 2026, in the well capitalized band.
Also written as Inspire 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
- 1759
- Headquarters
- Newtown, PA
- Established
- 1936
- Total assets, Q2 2026
- $392.1M
- Assets vs Q2 2025
- +0.7%
- Members, Q2 2026
- 18,429
- Net worth ratio, Q2 2026
- 10.52%
- Latest call report
- Q2 2026, NCUA 5300 · Inspire Federal Credit Union call report
- Asset rank in state
- 28th of 269 in Pennsylvania
- Routing number
- 231379775
- Branches
- 5
It has 1,179 more members than on June 30, 2025 (+6.8%). Its net worth ratio was down 0.40 percentage points from 10.92% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $121.1M of $289.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.93% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.52% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Inspire Federal Credit Union
How big is Inspire Federal Credit Union?
At Q2 2026 it reported total assets of $392.1M and 18,429 members.
Where is Inspire Federal Credit Union headquartered?
It is headquartered in Newtown, PA, United States.
When was Inspire Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Inspire Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1759): 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 Inspire Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Inspire Federal Credit Union well capitalized?
Its net worth ratio was 10.52% 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 Inspire Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.93% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Inspire Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 104.08% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Newtown, PA 18940
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1759
- RSSD ID
- 1864384
- Members
- 18,429
- Potential members
- 2,250,000
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 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.52% | 11.43% | 36th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.43% | 0.81% | 25th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.08% | 7.02% | 27th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.15% | 3.70% | 19th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 84.31% | 76.55% | 23rd bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 2.23% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.93% | 0.68% | 36th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.38% | 4.92% | 75th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 104.08% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$392.1M total assets against $389.3M; $277.8M total shares and deposits against $300.2M; $289.1M total loans against $276.7M.
$41.3M net worth against $40.7M.
10.52% net worth ratio against 10.92%.
104.08% loan-to-share ratio against 92.19%.
0.93% delinquency ratio against 0.59%.
0.43% return on assets against 0.39%; 4.08% return on equity against 3.70%.
3.15% net interest margin against 2.93%.
18,429 members against 17,250.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.52% | 0.43% | 0.93% | 104.08% |
| March 31, 2026 | 10.54% | 0.64% | 0.75% | 98.20% |
| December 31, 2025 | 10.80% | 0.42% | 0.58% | 95.16% |
| September 30, 2025 | 11.07% | 0.83% | 0.63% | 94.71% |
| June 30, 2025 | 10.92% | 0.39% | 0.59% | 92.19% |
| March 31, 2025 | 10.14% | 0.75% | 0.40% | 97.97% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.