Federal credit union · Allentown, Pennsylvania · NCUA charter #10015

Allentown

Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

81
Health / 100
$124.2M
Total assets
7,015
Members
12.2%
Net-worth ratio

Allentown - Share Insurance Coverage

Charter #10015's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for Allentown Share insurance under NCUSIF covers up to $250,000 per share owner. Allentown holds approximately $103.8M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 12.2 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 12.2% · $103.8M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Allentown - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 12.18% 30% weight
  • Asset quality (delinquency) 1.20% 25% weight
  • Earnings (ROA) 1.36% 15% weight
  • Member growth -3.76% 15% weight
  • Liquidity (loan-to-share) 69% 15% weight

Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 81.2%

12.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$124.2M
Total Assets
7,015
Members
$71.9M
Total Loans
$103.8M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 12.18% 30%
Delinquency Rate 1.20% 25%
Return on Assets 1.36% 15%
Member Growth -3.76% 15%
Loan-to-Share Ratio 69.24% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $124.2M 7,015
2024Q4 $121.5M 7,289
2023Q4 $122.3M 7,513

Credit Union Details

Charter Number
10015
Type
Federal
Field of Membership
Multiple Common Bond
Peer Group
$100M–$500M
State
Pennsylvania
City
Allentown
Data Quarter
2025Q4

What This Data Says About Allentown

Allentown is a federal credit union headquartered in Allentown, Pennsylvania, serving 7,015 members with $124.2M in total assets and $71.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 81/100 (Excellent), anchored by a net worth ratio of 12.18% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #10015 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.

Deposits deployed into lending sit at a 69.24% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.20% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 1.36% on net income of $1.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -3.76%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

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Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Allentown financially healthy?

Allentown has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.18% and delinquency rate of 1.20%.

How does Allentown compare to other credit unions?

On PlainCU's health composite, Allentown lands at 81/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join Allentown?

Allentown serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Allentown directly for the current list of qualifying groups.

Is my money safe at Allentown?

Federal credit unions like Allentown are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Allentown's net worth ratio of 12.18% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Allentown offer compared to banks?

Credit unions like Allentown are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Allentown directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.