Federal credit union · Lancaster, Pennsylvania · NCUA charter #24928
FINANTA
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $35.3M
- Total assets
- 1,591
- Members
- 14.5%
- Net-worth ratio
FINANTA scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.3M; members 1,591; net-worth ratio 14.50%; health rank #599 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#599 of 4,374 health · 2025Q4FINANTA · health 93/100 · $35.3M · 2025Q4
- PHOTO 93/100
- BOOK 14.5%
- CHARTER 0.57%
- NCUSIF 2.24%
- CAMELS $35.3M
- HEALTH 1,591
- NW #599/4,374
- DELQ MILESTONES
- ROA 24928
Call Report peers
FINANTA in the assets neighbourhood
FINANTA's $35.3M assets sit next to MILESTONES ($35.3M) 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.
FINANTA 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
93 Top 16% higher than 84% 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
FINANTA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24928. See our deposit-insurance coverage note.
Peer-gap read for FINANTA
- Largest favorable gap: Return on Assets at 2.24% vs peer 0.70% (+1.53 pp).
- Loan-to-Share Ratio trails the peer set - 28.28% here, 59.80% peer average (-31.52 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where FINANTA sits in Pennsylvania
- In Pennsylvania, health place is #27 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, FINANTA is #144 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #183 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.
FINANTA: 2025Q4 → 2026Q1
FINANTA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +20.9% from $35.3M (2025Q4) to $42.7M (2026Q1).
- Net-worth ratio shifted +0.01 pp (14.49% → 14.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.7 pts
FINANTA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.50% | -0.36 pp |
| Delinquency Rate | 0.57% | -0.57 pp |
| Return on Assets | 2.24% | +1.53 pp |
| Member Growth | 52.69% | - |
| Loan-to-Share Ratio | 28.28% | -31.52 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 | $42.7M | - |
| 2025Q4 | $35.3M | 1,591 |
| 2024Q4 | $25.8M | 1,042 |
| 2023Q4 | $6.8M | 611 |
Credit Union Details
- Charter Number
- 24928
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Lancaster
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for FINANTA.
| Office | City |
|---|---|
| Community First Fund Federal Credit Union (Main Office) | Lancaster, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Other-state peers near FINANTA
Cross-state asset and health neighbours for FINANTA - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($35.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- FINANTA ranks #599 of 4,374 nationally on financial health and #27 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VASCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VASCO
- 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 FINANTA financially healthy?
FINANTA scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #599 of 4,374; by total assets it ranks #2,712 of 4,374 nationally (same basis as /rankings/largest); and #144 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.50% net worth ratio and a 0.57% delinquency rate.
How does FINANTA compare to other credit unions?
Five weighted metrics from NCUA filings produce FINANTA's 93/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 FINANTA?
FINANTA 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 FINANTA directly for the exact boundaries and application steps.
Is my money safe at FINANTA?
Federal credit unions like FINANTA 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. FINANTA's net worth ratio of 14.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FINANTA offer compared to banks?
Credit unions like FINANTA 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 FINANTA 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.