Federal credit union · PITTSBURGH, Pennsylvania · NCUA charter #24483
East End Food Cooperative
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $1.9M
- Total assets
- 402
- Members
- 7.9%
- Net-worth ratio
East End Food Cooperative - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24483, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
East End Food Cooperative - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)83
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth48
- Liquidity (loan-to-share)80
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.94% | 30% |
| Delinquency Rate | 8.61% | 25% |
| Return on Assets | 1.04% | 15% |
| Member Growth | -0.99% | 15% |
| Loan-to-Share Ratio | 56.71% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.9M | 402 |
| 2024Q4 | $1.6M | 406 |
| 2023Q4 | $1.3M | 393 |
Credit Union Details
- Charter Number
- 24483
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- PITTSBURGH
- Data Quarter
- 2025Q4
What This Data Says About East End Food Cooperative
East End Food Cooperative is a federal credit union headquartered in PITTSBURGH, Pennsylvania, serving 402 members with $1.9M in total assets and $928K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 59/100 (Fair), anchored by a net worth ratio of 7.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24483 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
8.61% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 56.71% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.04% on net income of $20K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.99%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other/Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is East End Food Cooperative financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, East End Food Cooperative carries a financial health score of 59/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.94% net worth ratio and a 8.61% delinquency rate.
How does East End Food Cooperative compare to other credit unions?
PlainCU's health composite puts East End Food Cooperative at 59/100, 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 East End Food Cooperative?
East End Food Cooperative 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 East End Food Cooperative directly for the exact boundaries and application steps.
Is my money safe at East End Food Cooperative?
Federal credit unions like East End Food Cooperative 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. East End Food Cooperative's net worth ratio of 7.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does East End Food Cooperative offer compared to banks?
Credit unions like East End Food Cooperative 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 East End Food Cooperative directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.