Federal credit union · Sunbury, Pennsylvania · NCUA charter #9213
Central Keystone
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $62.1M
- Total assets
- 2,897
- Members
- 18.5%
- Net-worth ratio
Central Keystone scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $62.1M; members 2,897; net-worth ratio 18.48%; health rank #1,895 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,895 of 4,374 health · 2025Q4Central Keystone · health 85/100 · $62.1M · 2025Q4
Call Report peers
Central Keystone in the assets neighbourhood
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Central Keystone vs every NCUA-scored credit union
Central Keystone sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Where Central Keystone diverges from peer averages
- Net Worth Ratio leads the peer set - 18.48% here, 13.62% peer average (+4.86 pp).
- Largest lag: Loan-to-Share Ratio at 53.07% vs peer 62.60% (-9.53 pp).
Where Central Keystone sits in Pennsylvania
- Health composite ranks #91 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #110 of 275.
- Membership ranks #140 of 275 among Pennsylvania CUs with a reported count (2,897 members).
- One place up in Pennsylvania, Fayette County School Employees (#90) ties at 85/100; one place down, GALAXY (#92) ties at 85/100.
Central Keystone Call Report trajectory
Central Keystone: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $62.1M (2025Q4) to $63.8M (2026Q1).
- Net-worth ratio shifted -0.24 pp (18.72% → 18.48%).
18.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Central Keystone gives up 15 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 15.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 11.6 pts
Central Keystone vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.48% | +4.86 pp |
| Delinquency Rate | 0.97% | +0.01 pp |
| Return on Assets | 1.05% | +0.39 pp |
| Member Growth | -0.48% | - |
| Loan-to-Share Ratio | 53.07% | -9.53 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Central Keystone quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $63.8M | - |
| 2025Q4 | $62.1M | 2,897 |
| 2024Q4 | $59.6M | 2,911 |
| 2023Q4 | $52.6M | 2,905 |
Credit Union Details
- Charter Number
- 9213
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Sunbury
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Central Keystone runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Sunbury, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Central Keystone nationwide neighbourhoods
Similar total assets
Using this data
- Central Keystone ranks #1,895 of 4,374 nationally on financial health and #91 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MERHO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MERHO
Frequently Asked Questions
Is Central Keystone financially healthy?
On its 2025Q4 NCUA 5300 filing, Central Keystone scores 85/100 (Excellent), with a 18.48% net worth ratio and 0.97% of loans delinquent. It ranks #1,895 of 4,374 nationally on health and #91 of 275 in Pennsylvania.
How does Central Keystone compare to other credit unions?
Central Keystone scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (18.48% vs 13.62%). Its widest shortfall is loan-to-share ratio (53.07% vs 62.60%).
How can I join Central Keystone?
Central Keystone 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 Central Keystone directly for the current list of qualifying groups.
Is my money safe at Central Keystone?
Central Keystone is a federal credit union; its shares are federally 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. Central Keystone's net worth ratio of 18.48% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.