Federal credit union · WYNDMOOR, Pennsylvania · NCUA charter #4871
E R R L
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $1.0M
- Total assets
- 196
- Members
- 10.6%
- Net-worth ratio
E R R L scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.0M; members 196; net-worth ratio 10.61%; health rank #4,166 of 4,374; healthier than 5th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,166 of 4,374 health · 2025Q4E R R L · health 56/100 · $1.0M · 2025Q4
- MEM 56/100
- RANK 10.6%
- PHOTO 1.49%
- BOOK -3.09%
- CHARTER $1.0M
- NCUSIF 196
- CAMELS #4,166/4,374
- HEALTH n/a
- NW 4871
Call Report peers
E R R L carries $1.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
E R R L 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
56 5th percentile higher than 5% 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
E R R L - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4871: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where E R R L diverges from peer averages
- Delinquency Rate leads the peer set - 1.49% here, 4.48% peer average (-2.99 pp).
- Loan-to-Share Ratio trails the peer set - 36.55% here, 52.70% peer average (-16.15 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
E R R L in Pennsylvania
- Pennsylvania health ordinal: #259 of 275.
- Assets rank #264 of 275 inside Pennsylvania ($1.0M reported).
- Pennsylvania membership ordinal: #263 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for E R R L
E R R L: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $1.0M (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.64% → 10.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 56/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.7 pts
E R R L vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.61% | -12.32 pp |
| Delinquency Rate | 1.49% | -2.99 pp |
| Return on Assets | -3.09% | -3.32 pp |
| Member Growth | -7.55% | - |
| Loan-to-Share Ratio | 36.55% | -16.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
E R R L quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.0M | - |
| 2025Q4 | $1.0M | 196 |
| 2024Q4 | $1.1M | 212 |
| 2023Q4 | $1.2M | 229 |
Credit Union Details
- Charter Number
- 4871
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- WYNDMOOR
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for E R R L, spread across 2 cities.
| Office | City |
|---|---|
| ERRL FCU (Main Office) | Wyndmoor, PA |
| Records Storage | Ambler, 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 E R R L
E R R L's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
Using this data
- E R R L ranks #4,166 of 4,374 nationally on financial health and #259 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bradford Area School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bradford Area School Employees
- 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 E R R L financially healthy?
A 10.61% net worth ratio and a 1.49% delinquency rate feed into E R R L's financial health score of 56/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,166 of 4,374; by total assets it ranks #4,232 of 4,374 nationally (same basis as /rankings/largest); and #264 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does E R R L compare to other credit unions?
PlainCU's health composite puts E R R L at 56/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 E R R L?
E R R L carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact E R R L directly to confirm current membership steps.
Is my money safe at E R R L?
Federal credit unions like E R R L 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. E R R L's net worth ratio of 10.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does E R R L offer compared to banks?
Credit unions like E R R L 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 E R R L 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.