North East Welch Federal Credit Union


Overview / Commentary
814-725-8190
115 Clay St
North East, PA 16428

North East Welch Federal Credit Union is headquartered in North East and is the 166th largest credit union in the state of Pennsylvania. It is also the 3,066th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 8 employees and 2,736 members at 2 locations. North East Welch Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in North East Borough, Greenfield Township, Wattsburg Borough, Harborcreek Township, Greene Township, Lawrence Park Township, and Venango Township in Erie County, Pennsylvania or the Towns of Ripley, Westfield, Sherman, Clymer, French Creek, Mina, Portland, Chautauqua, Villages of Brocton or Mayville in Chautauqua County, New York.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. North East Welch Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #8687
Year Chartered1953
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD2.12%
Return on Equity - YTD13.33%
Annual Interest Income$331K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$24.5MM$24.2MM
LoansQ1 2025vs Q1 2024$13.6MM$12.1MM
DepositsQ1 2025vs Q1 2024$20.5MM$20.7MM
Equity CapitalQ1 2025vs Q1 2024$3.8MM$3.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$130K$101K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$142K$73K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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North East Welch Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5-Regular Share Account
0.50%$0-Christmas Club

North East Welch Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%$1k-12 Month Share Certificate
3.29%$1k-24 Month Share Certificate
3.03%$1k-36 Month Share Certificate

North East Welch Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$0-IRA Share Account
Locations


North East Welch Federal Credit Union Locations
Branch Office115 Clay StNorth East, PA 16428-1537
Branch Office21 N Portage StWestfield, NY 14787

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