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
- PHOTO 92/100
- BOOK 9.3%
- CHARTER 0.33%
- NCUSIF 0.49%
- CAMELS $6.62B
- HEALTH 285,351
- NW #852/4,374
- DELQ KINECTA
- ROA 2099
Call Report peers
CITADEL in the assets neighbourhood
CITADEL's $6.62B assets sit next to KINECTA ($6.52B) 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.
CITADEL 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
92 Top 20% higher than 80% 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
CITADEL - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2099: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CITADEL Call Report trajectory
CITADEL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $6.62B (2025Q4) to $6.77B (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.42% → 9.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
CITADEL's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($6.62B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 CITADEL financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - CITADEL's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #852 of 4,374; by total assets it ranks #56 of 4,374 nationally (same basis as /rankings/largest); and #4 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.32% net worth ratio and 0.33% delinquency rate are the key drivers.
How does CITADEL compare to other credit unions?
On PlainCU's health composite, CITADEL lands at 92/100, compared to a peer group average for Over $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 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?
Federal credit unions like CITADEL 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. CITADEL's net worth ratio of 9.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CITADEL offer compared to banks?
Credit unions like CITADEL 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 CITADEL 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.