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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); E R R L sits in 55-59 with 115 others.
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Pennsylvania, HORIZON (#258) scores 57/100, 1 point higher; one place down, Vantage Trust (#260) ties at 56/100.
Quarter path for E R R L
E R R L: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $1.0M (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.64% → 10.61%).
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
E R R L gives up 44 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is E R R L financially healthy?
On its 2025Q4 NCUA 5300 filing, E R R L scores 56/100 (Fair), with a 10.61% net worth ratio and 1.49% of loans delinquent. It ranks #4,166 of 4,374 nationally on health and #259 of 275 in Pennsylvania.
How does E R R L compare to other credit unions?
E R R L scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (1.49% vs 4.48%). Its widest shortfall is loan-to-share ratio (36.55% vs 52.70%).
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?
E R R L 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. E R R L's net worth ratio of 10.61% 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.