Federal credit union · Hummelstown, Pennsylvania · NCUA charter #6095
HERSHEY
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $123.5M
- Total assets
- 9,400
- Members
- 9.5%
- Net-worth ratio
HERSHEY scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $123.5M; members 9,400; net-worth ratio 9.46%; health rank #2,170 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,170 of 4,374 health · 2025Q4HERSHEY · health 84/100 · $123.5M · 2025Q4
- ASSETS 84/100
- MEM 9.5%
- RANK 1.20%
- PHOTO 0.72%
- BOOK $123.5M
- CHARTER 9,400
- NCUSIF #2,170/4,374
- CAMELS LUSO-AMERICAN
- HEALTH 6095
Call Report peers
HERSHEY in the assets neighbourhood
HERSHEY's $123.5M assets sit next to LUSO-AMERICAN ($123.4M) 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.
HERSHEY 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
84 Top 50% higher than 50% 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
HERSHEY - Share Insurance Coverage
Charter #6095's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where HERSHEY diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +24.51 pp (96.71% vs 72.20%).
- Largest lag: Net Worth Ratio at 9.46% vs peer 12.11% (-2.65 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
HERSHEY: in-state Call Report ranks
- Health composite ranks #106 of 275 among scored Pennsylvania credit unions.
- Assets rank #75 of 275 inside Pennsylvania ($123.5M reported).
- Member book place in Pennsylvania: #71 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 HERSHEY
HERSHEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $123.5M (2025Q4) to $126.2M (2026Q1).
- Net-worth ratio shifted +0.11 pp (9.35% → 9.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 18.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 12.1 pts
HERSHEY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.46% | -2.65 pp |
| Delinquency Rate | 1.20% | +0.31 pp |
| Return on Assets | 0.72% | +0.09 pp |
| Member Growth | 0.59% | - |
| Loan-to-Share Ratio | 96.71% | +24.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
HERSHEY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $126.2M | - |
| 2025Q4 | $123.5M | 9,400 |
| 2024Q4 | $117.7M | 9,345 |
| 2023Q4 | $104.4M | 7,816 |
Credit Union Details
- Charter Number
- 6095
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Hummelstown
- Data Quarter
- 2025Q4
Branch Locations (3)
HERSHEY operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hummelstown Office (Main Office) | Hummelstown, PA |
| Annville Branch | Annville, PA |
| Hershey Office | Hershey, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near HERSHEY
HERSHEY's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($123.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- HERSHEY ranks #2,170 of 4,374 nationally on financial health and #106 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LANCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LANCO
- 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 HERSHEY financially healthy?
HERSHEY scores 84/100 (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 #2,170 of 4,374; by total assets it ranks #1,650 of 4,374 nationally (same basis as /rankings/largest); and #75 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.46% net worth ratio and a 1.20% delinquency rate.
How does HERSHEY compare to other credit unions?
HERSHEY scores 84/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 HERSHEY?
HERSHEY 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 HERSHEY directly for the exact boundaries and application steps.
Is my money safe at HERSHEY?
Federal credit unions like HERSHEY 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. HERSHEY's net worth ratio of 9.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HERSHEY offer compared to banks?
Credit unions like HERSHEY 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 HERSHEY 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.