Federal credit union · DERRY, Pennsylvania · NCUA charter #6196
Derry Area
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $13.4M
- Total assets
- 1,852
- Members
- 11.3%
- Net-worth ratio
Derry Area scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.4M; members 1,852; net-worth ratio 11.25%; health rank #3,410 of 4,374; healthier than 21st of scored peers.
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NCUA 5300 Call Report Masthead
#3,410 of 4,374 health · 2025Q4Derry Area · health 73/100 · $13.4M · 2025Q4
Call Report peers
Derry Area in the assets neighbourhood
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Derry Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Derry Area sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Derry Area: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 48.55% here, 59.80% peer average (-11.25 pp).
Where Derry Area sits in Pennsylvania
- In Pennsylvania, health place is #211 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #198 of 275 inside Pennsylvania ($13.4M reported).
- Member book place in Pennsylvania: #167 of 275.
- One place up in Pennsylvania, Bucks County Employees (#210) ties at 73/100; one place down, Choice One Community (#212) ties at 73/100.
Derry Area: 2025Q4 → 2026Q1
Derry Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.9% from $13.4M (2025Q4) to $14.2M (2026Q1).
- Net-worth ratio shifted -0.64 pp (11.89% → 11.25%).
This credit union's 11.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Derry Area gives up 27 points in total. Delinquency Rate costs the most, 11 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.1 pts
- Loan-to-Share Ratio 9.9 pts
Call Report ratios for Derry Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.25% | -3.61 pp |
| Delinquency Rate | 1.80% | +0.65 pp |
| Return on Assets | 0.56% | -0.15 pp |
| Member Growth | -2.73% | - |
| Loan-to-Share Ratio | 48.55% | -11.25 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.2M | - |
| 2025Q4 | $13.4M | 1,852 |
| 2024Q4 | $13.3M | 1,904 |
| 2023Q4 | $12.9M | 1,904 |
Credit Union Details
- Charter Number
- 6196
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- DERRY
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Derry Area, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Derry, PA |
| Vital Records Site | Derry, PA |
| Disaster Recovery Site | Greensburg, PA |
| Latrobe Branch | Latrobe, 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.
Cross-state Call Report peers for Derry Area
Similar total assets
Similar health score
Using this data
- Derry Area ranks #3,410 of 4,374 nationally on financial health and #211 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Reading Berks School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Reading Berks School Employees
Frequently Asked Questions
Is Derry Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Derry Area scores 73/100 (Very Good), with a 11.25% net worth ratio and 1.80% of loans delinquent. It ranks #3,410 of 4,374 nationally on health and #211 of 275 in Pennsylvania.
How does Derry Area compare to other credit unions?
Derry Area scores 73/100, higher than 21% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (48.55% vs 59.80%).
How can I join Derry Area?
Derry Area 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 Derry Area directly for the exact boundaries and application steps.
Is my money safe at Derry Area?
Derry Area 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. Derry Area's net worth ratio of 11.25% 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.