Federal credit union · EXTON, Pennsylvania · NCUA charter #2099
CITADEL
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $6.62B
- Total assets
- 285,351
- Members
- 9.3%
- Net-worth ratio
CITADEL scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.62B; members 285,351; net-worth ratio 9.32%; health rank #852 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#852 of 4,374 health · 2025Q4CITADEL · health 92/100 · $6.62B · 2025Q4
Call Report peers
CITADEL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CITADEL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CITADEL sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CITADEL diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 105.56% here, 83.90% peer average (+21.66 pp).
- Net Worth Ratio trails the peer set - 9.32% here, 11.18% peer average (-1.86 pp).
CITADEL: in-state Call Report ranks
- In Pennsylvania, health place is #38 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #4 of 275.
- Membership ranks #5 of 275 among Pennsylvania CUs with a reported count (285,351 members).
- One place up in Pennsylvania, Merck Sharp & Dohme (#37) ties at 92/100; one place down, SARCO (#39) scores 91/100, 1 point lower.
CITADEL Call Report trajectory
CITADEL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $6.62B (2025Q4) to $6.77B (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.42% → 9.32%).
9.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
CITADEL gives up 8 points in total. Loan-to-Share Ratio costs the most, 6.6 of its 15; Delinquency Rate and Member Growth score full marks.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.8 pts
Call Report ratios for CITADEL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.32% | -1.86 pp |
| Delinquency Rate | 0.33% | -0.54 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | 7.38% | - |
| Loan-to-Share Ratio | 105.56% | +21.66 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - CITADEL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.77B | - |
| 2025Q4 | $6.62B | 285,351 |
| 2024Q4 | $6.16B | 265,739 |
| 2023Q4 | $5.81B | 260,593 |
Credit Union Details
- Charter Number
- 2099
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- EXTON
- Data Quarter
- 2025Q4
Branch Locations (28)
CITADEL operates 28 offices across 24 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Citadel Corporate Headquarters (Main Office) | Exton, PA |
| Brookhaven | Brookhaven, PA |
| Chester Springs | Chester Springs, PA |
| Eagle | Chester Springs, PA |
| South Coatesville | Coatesville, PA |
| Downingtown | Downingtown, PA |
| East Norriton | East Norriton, PA |
| Glen Mills | Glen Mills, PA |
| Harleysville | Harleysville, PA |
| Kennett Square | Kennett Square, PA |
| Granite Run Drive | Lancaster, PA |
| Rohrerstown Road | Lancaster, PA |
| Lansdale | Lansdale, PA |
| Limerick | Limerick, PA |
| Montgomeryville | Montgomeryville, PA |
| Oxford | Oxford, PA |
| Paoli | Paoli, PA |
| Parkesburg | Parkesburg, PA |
| Center City | Philadelphia, PA |
| Overbrook Park | Philadelphia, PA |
| Phoenixville | Phoenixville, PA |
| Pottstown | Pottstown, PA |
| Springfield | Springfield, PA |
| Thorndale | Thorndale, PA |
| Warminster | Warminster, PA |
| West Chester | West Chester, PA |
| West Chester Mortgage & Wealth Mgmt | West Chester, PA |
| West Norriton | West Norriton, 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 CITADEL
Using this data
- CITADEL ranks #852 of 4,374 nationally on financial health and #38 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American Heritage
Frequently Asked Questions
Is CITADEL financially healthy?
CITADEL has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #852 of 4,374 nationally on health and #38 of 275 in Pennsylvania. Its net worth ratio is 9.32% and its delinquency rate 0.33%.
How does CITADEL compare to other credit unions?
CITADEL scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (105.56% vs 83.90%). Its widest shortfall is net worth ratio (9.32% vs 11.18%).
How can I join CITADEL?
CITADEL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CITADEL directly for the exact boundaries and application steps.
Is my money safe at CITADEL?
CITADEL 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. CITADEL's net worth ratio of 9.32% 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.