Federal credit union · Bedford, Pennsylvania · NCUA charter #12900
Kennaford
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $4.0M
- Total assets
- 695
- Members
- 31.5%
- Net-worth ratio
Kennaford - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12900 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Kennaford - 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)100
- Asset quality (delinquency)20
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
31.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 31.49% | 30% |
| Delinquency Rate | 3.21% | 25% |
| Return on Assets | -0.55% | 15% |
| Member Growth | -11.35% | 15% |
| Loan-to-Share Ratio | 70.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.0M | 695 |
| 2024Q4 | $4.4M | 784 |
| 2023Q4 | $5.1M | 797 |
Credit Union Details
- Charter Number
- 12900
- Type
- Federal
- Field of Membership
- Manufacturing
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Bedford
- Data Quarter
- 2025Q4
What This Data Says About Kennaford
695 members and $4.0M in total assets sit behind Kennaford, a federal credit union in Bedford, Pennsylvania, which posts a health score of 50/100 (Fair) on the five-factor composite, with $1.9M in outstanding loans as of Q4 2025 and a net worth ratio of 31.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #12900 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 3.21% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 70.25% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.55% on net income of $-21875 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 -11.35%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Manufacturing) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 Kennaford financially healthy?
Kennaford scores 50/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 31.49% net worth ratio and a 3.21% delinquency rate.
How does Kennaford compare to other credit unions?
PlainCU's health composite puts Kennaford at 50/100, compared to a peer group average for $2M–$10M 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 Kennaford?
Kennaford is chartered around a single common bond (Manufacturing), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Kennaford directly to confirm eligibility.
Is my money safe at Kennaford?
Federal credit unions like Kennaford 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. Kennaford's net worth ratio of 31.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kennaford offer compared to banks?
Credit unions like Kennaford 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 Kennaford 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.