Federal credit union · Allentown, Pennsylvania · NCUA charter #10015
ALLENTOWN
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $124.2M
- Total assets
- 7,015
- Members
- 16.4%
- Net-worth ratio
ALLENTOWN scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $124.2M; members 7,015; net-worth ratio 16.37%; health rank #2,547 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,547 of 4,374 health · 2025Q4ALLENTOWN · health 81/100 · $124.2M · 2025Q4
- MEM 81/100
- RANK 16.4%
- PHOTO 1.20%
- BOOK 1.36%
- CHARTER $124.2M
- NCUSIF 7,015
- CAMELS #2,547/4,374
- HEALTH North Iowa Community
- NW 10015
Call Report peers
ALLENTOWN in the assets neighbourhood
ALLENTOWN's $124.2M assets sit next to North Iowa Community ($124.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALLENTOWN vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for ALLENTOWN
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +4.26 pp (16.37% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.96 pp (69.24% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ALLENTOWN: in-state Call Report ranks
- Pennsylvania health ordinal: #134 of 275.
- Pennsylvania assets place: #74 of 275.
- Pennsylvania membership ordinal: #91 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ALLENTOWN's 5300 filing moved
ALLENTOWN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $124.2M (2025Q4) to $126.2M (2026Q1).
- Net-worth ratio shifted +0.07 pp (16.30% → 16.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.5 pts
- Return on Assets 15.0 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 15.3 pts
ALLENTOWN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.37% | +4.26 pp |
| Delinquency Rate | 1.20% | +0.31 pp |
| Return on Assets | 1.36% | +0.74 pp |
| Member Growth | -3.76% | - |
| Loan-to-Share Ratio | 69.24% | -2.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $126.2M | - |
| 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
Branch Locations (4)
Per its most recent NCUA branch filing, ALLENTOWN runs 4 offices in 2 different cities.
| Office | City |
|---|---|
| Parkway Office (Main Office) | Allentown, PA |
| Hanover Office | Allentown, PA |
| BPL Office | Allentown, PA |
| St. Lukes | Bethlehem, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near ALLENTOWN
Two NCUA Call Report peer sets for ALLENTOWN, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($124.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- ALLENTOWN ranks #2,547 of 4,374 nationally on financial health and #134 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HERSHEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HERSHEY
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,547 of 4,374; by total assets it ranks #1,649 of 4,374 nationally (same basis as /rankings/largest); and #74 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.37% 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 16.37% 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.