Federal credit union · Bedford, Pennsylvania · NCUA charter #12900
KENNAFORD
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $4.0M
- Total assets
- 695
- Members
- 31.9%
- Net-worth ratio
KENNAFORD scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.0M; members 695; net-worth ratio 31.86%; health rank #4,263 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,263 of 4,374 health · 2025Q4KENNAFORD · health 50/100 · $4.0M · 2025Q4
Call Report peers
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KENNAFORD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KENNAFORD sits in 50-54 with 82 others.
50 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
KENNAFORD: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 31.86% here, 19.06% peer average (+12.80 pp).
- Largest lag: Delinquency Rate at 3.21% vs peer 1.81% (+1.40 pp).
KENNAFORD: in-state Call Report ranks
- In Pennsylvania, health place is #269 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #245 of 275.
- Membership ranks #237 of 275 among Pennsylvania CUs with a reported count (695 members).
- One place up in Pennsylvania, Acba Fed Credit Union (3226) (#268) scores 51/100, 1 point higher; one place down, Western PA (#270) ties at 50/100.
How KENNAFORD's 5300 filing moved
KENNAFORD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $4.0M (2025Q4) to $3.9M (2026Q1).
- Net-worth ratio shifted +0.37 pp (31.49% → 31.86%).
31.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 50/100 score is built
KENNAFORD gives up 50 points in total. Delinquency Rate costs the most, 20.1 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 4.9 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
KENNAFORD vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.86% | +12.80 pp |
| Delinquency Rate | 3.21% | +1.40 pp |
| Return on Assets | -0.55% | -1.00 pp |
| Member Growth | -11.35% | - |
| Loan-to-Share Ratio | 70.25% | +6.65 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.9M | - |
| 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
Branch Location
KENNAFORD operates a single office in Bedford, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kennaford (Main Office) | Bedford, 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.
KENNAFORD nationwide neighbourhoods
Using this data
- KENNAFORD ranks #4,263 of 4,374 nationally on financial health and #269 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Asbestos Workers Local 14 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Asbestos Workers Local 14
Frequently Asked Questions
Is KENNAFORD financially healthy?
KENNAFORD has a financial health score of 50/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,263 of 4,374 nationally on health and #269 of 275 in Pennsylvania. Its net worth ratio is 31.86% and its delinquency rate 3.21%.
How does KENNAFORD compare to other credit unions?
KENNAFORD scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (31.86% vs 19.06%). Its widest shortfall is delinquency rate (3.21% vs 1.81%).
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?
KENNAFORD is a federal credit union; its shares are federally 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 31.86% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.