Federal credit union · EASTON, Pennsylvania · NCUA charter #24850
Crayola Llc Employees Credit Union
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $8.6M
- Total assets
- 781
- Members
- 17.1%
- Net-worth ratio
Crayola Llc Employees Credit Union - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24850, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Crayola Llc Employees Credit Union - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)44
- Earnings (ROA)100
- Member growth20
- Liquidity (loan-to-share)63
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.10% | 30% |
| Delinquency Rate | 2.24% | 25% |
| Return on Assets | 1.80% | 15% |
| Member Growth | -3.34% | 15% |
| Loan-to-Share Ratio | 38.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.6M | 781 |
| 2024Q4 | $8.3M | 808 |
| 2023Q4 | $9.5M | 864 |
Credit Union Details
- Charter Number
- 24850
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- EASTON
- Data Quarter
- 2025Q4
What This Data Says About Crayola Llc Employees Credit Union
Charter #24850, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Crayola Llc Employees Credit Union, a federal credit union in EASTON, Pennsylvania with 781 members, $8.6M in total assets, and $2.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 68/100 (Good), helped by a net worth ratio of 17.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 38.25% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.24% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at 1.80% on net income of $154K 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 -3.34%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
- U F C W LOCAL 1776PLYMOUTH MEETIN, PA · $2M–$10M83Health
- ALLEGHENY CENTRALDunbar, PA · $2M–$10M90Health
- PHB EMPLOYEESFairview, PA · $2M–$10M82Health
- COLFAX POWER PLANT EMPLOYEESSPRINGDALE, PA · $2M–$10M57Health
- U.F.C.W. LOCAL 23Canonsburg, PA · $2M–$10M75Health
Compare Crayola Llc Employees Credit Union vs U F C W LOCAL 1776
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 Crayola Llc Employees Credit Union financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Crayola Llc Employees Credit Union carries a financial health score of 68/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.10% net worth ratio and a 2.24% delinquency rate.
How does Crayola Llc Employees Credit Union compare to other credit unions?
Five weighted metrics from NCUA filings produce Crayola Llc Employees Credit Union's 68/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Crayola Llc Employees Credit Union?
Crayola Llc Employees Credit Union 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 Crayola Llc Employees Credit Union directly for the exact boundaries and application steps.
Is my money safe at Crayola Llc Employees Credit Union?
Federal credit unions like Crayola Llc Employees Credit Union 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. Crayola Llc Employees Credit Union's net worth ratio of 17.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Crayola Llc Employees Credit Union offer compared to banks?
Credit unions like Crayola Llc Employees Credit Union 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 Crayola Llc Employees Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.