Copper & Glass Federal Credit Union

Glassport, PA

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). A current level of 20.8 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.9).

Other Rating Factors: Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.7) profitability. Fair liquidity 4.1, driven by a liquidity ratio of 15.1 percent and a “hot money” ratio of 3.3 percent.

Asset Mix: Other (100%)

Asset Quality

Non-Performing Loans to Capital

Non-Performing Assets to Assets

Non-Performing Loans to Loans

Loan Loss Reserves to Loans

Charge-Offs to Average Loans

5-Year Charge-Offs to Average Loans

5-Year Asset Growth

1-Year Asset Growth

Profitability

Operating Profit to Average Assets