North East Welch Federal Credit Union (8687), a $23.6M credit union headquartered in North East, PA, led by CEO Maas, reported $19.4M in member deposits at the end of 2025 Q3, a decrease of $73K (-0.4%) compared to the same quarter last year.
The credit union's 72.1% loan-to-share ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
Deposit Composition
North East Welch Federal Credit Union's deposit portfolio is led by Regular Shares, comprising 65.6% of total deposits—basic savings accounts with no withdrawal restrictions. The heavy concentration in liquid shares provides operational flexibility but may pressure net interest margin in a rising rate environment.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $12.7M | 65.6% | -6.3% |
| Share Drafts | $3.3M | 17.2% | +4.1% |
| IRA/KEOGH | $1.9M | 9.7% | +2.3% |
| Share Certificates | $1.5M | 7.5% | +70.3% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Deposit contraction may reflect rate-sensitive members moving funds to higher-yielding alternatives, or broader economic pressures affecting member savings capacity.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $20.4M | $7K | |
| 2024 Q3 | $19.5M | -4.5% | $7K |
| 2024 Q4 | $19.7M | +1.4% | $7K |
| 2025 Q1 | $20.5M | +4.0% | $8K |
| 2025 Q2 | $20.0M | -2.7% | $7K |
| 2025 Q3 | $19.4M | -2.9% | $7K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
North East Welch Federal Credit Union serves 2,662 members, a decrease of 3.6% year-over-year. The average member deposit of $7K has grown 3.4% compared to last year.
Deposit retention remains a key focus in the current rate environment.
Historical Context: Since the 2008 Crisis
North East Welch Federal Credit Union's deposit base has grown 151% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $7.7M in member deposits serving 1,249 members.
Membership has expanded 113% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 862 credit unions in its $11.8M–$35.4M asset peer group, North East Welch Federal Credit Union ranks in the 48th percentile for deposit growth.
Outlook
North East Welch Federal Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
North East Welch Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize its deposit base.
View Full Profile
Access North East Welch Federal Credit Union's complete entity profile including financials, regulatory filings, and member metrics.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.