Federal credit union · WYOMISSING, Pennsylvania · NCUA charter #12935
DISCOVERY
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $188.1M
- Total assets
- 9,000
- Members
- 11.4%
- Net-worth ratio
DISCOVERY scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $188.1M; members 9,000; net-worth ratio 11.42%; health rank #266 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#266 of 4,374 health · 2025Q4DISCOVERY · health 96/100 · $188.1M · 2025Q4
Call Report peers
DISCOVERY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DISCOVERY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DISCOVERY sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for DISCOVERY
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +5.43 pp (77.63% vs 72.20%).
- Largest lag: Net Worth Ratio at 11.42% vs peer 12.11% (-0.69 pp).
DISCOVERY in Pennsylvania
- Health composite ranks #10 of 275 among scored Pennsylvania credit unions.
- By total assets, DISCOVERY is #49 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #74 of 275.
- One place up in Pennsylvania, Priority First (#9) ties at 96/100; one place down, CLEARVIEW (#11) ties at 96/100.
DISCOVERY: 2025Q4 → 2026Q1
DISCOVERY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $188.1M (2025Q4) to $192.2M (2026Q1).
- Net-worth ratio shifted -0.02 pp (11.44% → 11.42%).
At 11.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
DISCOVERY gives up 4 points in total. Member Growth costs the most, 3.1 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.2 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 14.9 pts
DISCOVERY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | -0.69 pp |
| Delinquency Rate | 0.43% | -0.47 pp |
| Return on Assets | 0.44% | -0.18 pp |
| Member Growth | 2.40% | - |
| Loan-to-Share Ratio | 77.63% | +5.43 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
DISCOVERY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $192.2M | - |
| 2025Q4 | $188.1M | 9,000 |
| 2024Q4 | $181.1M | 8,789 |
| 2023Q4 | $177.4M | 8,673 |
Credit Union Details
- Charter Number
- 12935
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- WYOMISSING
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for DISCOVERY.
| Office | City |
|---|---|
| Main Office (Main Office) | Wyomissing, 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 DISCOVERY
Using this data
- DISCOVERY ranks #266 of 4,374 nationally on financial health and #10 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- P & G Mehoopany Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with P & G Mehoopany Employees
Frequently Asked Questions
Is DISCOVERY financially healthy?
DISCOVERY has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #266 of 4,374 nationally on health and #10 of 275 in Pennsylvania. Its net worth ratio is 11.42% and its delinquency rate 0.43%.
How does DISCOVERY compare to other credit unions?
DISCOVERY scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.63% vs 72.20%). Its widest shortfall is net worth ratio (11.42% vs 12.11%).
How can I join DISCOVERY?
DISCOVERY 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 DISCOVERY directly for the exact boundaries and application steps.
Is my money safe at DISCOVERY?
DISCOVERY 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. DISCOVERY's net worth ratio of 11.42% 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.