Federal credit union · Wilkes Barre, Pennsylvania · NCUA charter #12333
Earning Tree
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $47.0M
- Total assets
- 1,883
- Members
- 10.4%
- Net-worth ratio
Earning Tree scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.0M; members 1,883; net-worth ratio 10.44%; health rank #3,953 of 4,374; healthier than 9th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,953 of 4,374 health · 2025Q4Earning Tree · health 63/100 · $47.0M · 2025Q4
- CHARTER 63/100
- NCUSIF 10.4%
- CAMELS 2.11%
- HEALTH 0.19%
- NW $47.0M
- DELQ 1,883
- ROA #3,953/4,374
- ASSETS STEWART'S
- MEM 12333
Call Report peers
Earning Tree in the assets neighbourhood
Earning Tree's $47.0M assets sit next to STEWART'S ($47.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Earning Tree 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
63 9th percentile higher than 9% 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
Earning Tree - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12333, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Earning Tree
- Largest lag: Loan-to-Share Ratio at 16.65% vs peer 59.80% (-43.15 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Earning Tree: in-state Call Report ranks
- Pennsylvania health ordinal: #246 of 275.
- Pennsylvania assets place: #127 of 275.
- Pennsylvania membership ordinal: #165 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.
How Earning Tree's 5300 filing moved
Earning Tree: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $47.0M (2025Q4) to $48.1M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.56% → 10.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.8 pts
- Return on Assets 10.3 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 7.8 pts
Call Report ratios for Earning Tree
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.44% | -4.42 pp |
| Delinquency Rate | 2.11% | +0.96 pp |
| Return on Assets | 0.19% | -0.52 pp |
| Member Growth | -3.29% | - |
| Loan-to-Share Ratio | 16.65% | -43.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.1M | - |
| 2025Q4 | $47.0M | 1,883 |
| 2024Q4 | $43.5M | 1,947 |
| 2023Q4 | $42.8M | 1,991 |
Credit Union Details
- Charter Number
- 12333
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Wilkes Barre
- Data Quarter
- 2025Q4
Branch Locations (4)
Earning Tree operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Wyoming, PA |
| Hazleton | Hazleton, PA |
| Loan Department | Plains, PA |
| Back Mountain | Shavertown, 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 Earning Tree
Two NCUA Call Report peer sets for Earning Tree, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Earning Tree ranks #3,953 of 4,374 nationally on financial health and #246 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Prr South Fork is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Prr South Fork
- 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 Earning Tree financially healthy?
Earning Tree has a financial health score of 63/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,953 of 4,374; by total assets it ranks #2,449 of 4,374 nationally (same basis as /rankings/largest); and #127 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.44% and delinquency rate of 2.11%.
How does Earning Tree compare to other credit unions?
63/100 is Earning Tree's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Earning Tree?
Earning Tree 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 Earning Tree directly for the exact boundaries and application steps.
Is my money safe at Earning Tree?
Federal credit unions like Earning Tree 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. Earning Tree's net worth ratio of 10.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Earning Tree offer compared to banks?
Credit unions like Earning Tree 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 Earning Tree 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.