Federal credit union · Warren, Pennsylvania · NCUA charter #11391
KINZUA
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $15.6M
- Total assets
- 1,798
- Members
- 14.5%
- Net-worth ratio
KINZUA scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.6M; members 1,798; net-worth ratio 14.52%; health rank #470 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#470 of 4,374 health · 2025Q4KINZUA · health 94/100 · $15.6M · 2025Q4
- NW 94/100
- DELQ 14.5%
- ROA 0.14%
- ASSETS 1.67%
- MEM $15.6M
- RANK 1,798
- PHOTO #470/4,374
- BOOK Northeast Community
- CHARTER 11391
Call Report peers
KINZUA in the assets neighbourhood
KINZUA's $15.6M assets sit next to Northeast Community ($15.7M) 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.
KINZUA 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
94 Top 13% higher than 87% 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
KINZUA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11391, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where KINZUA diverges from peer averages
- Delinquency Rate leads the peer set - 0.14% here, 1.15% peer average (-1.00 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -27.73 pp (32.07% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where KINZUA sits in Pennsylvania
- Pennsylvania health ordinal: #23 of 275.
- Assets rank #184 of 275 inside Pennsylvania ($15.6M reported).
- Pennsylvania membership ordinal: #170 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 KINZUA
KINZUA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $15.6M (2025Q4) to $16.6M (2026Q1).
- Net-worth ratio shifted -0.82 pp (15.34% → 14.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
KINZUA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.52% | -0.34 pp |
| Delinquency Rate | 0.14% | -1.00 pp |
| Return on Assets | 1.67% | +0.97 pp |
| Member Growth | 7.86% | - |
| Loan-to-Share Ratio | 32.07% | -27.73 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 | $16.6M | - |
| 2025Q4 | $15.6M | 1,798 |
| 2024Q4 | $15.2M | 1,667 |
| 2023Q4 | $14.6M | 1,670 |
Credit Union Details
- Charter Number
- 11391
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Warren
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for KINZUA, spread across 2 cities.
| Office | City |
|---|---|
| Kinzua Federal Credit Union (Main Office) | Warren, PA |
| Kinzua Federal Credit Union | Tidioute, PA |
| Disaster Recovery Location | Warren, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Cross-state Call Report peers for KINZUA
Two NCUA Call Report peer sets for KINZUA, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- KINZUA ranks #470 of 4,374 nationally on financial health and #23 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALCOSE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALCOSE
- 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 KINZUA financially healthy?
A 14.52% net worth ratio and a 0.14% delinquency rate feed into KINZUA's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #470 of 4,374; by total assets it ranks #3,304 of 4,374 nationally (same basis as /rankings/largest); and #184 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does KINZUA compare to other credit unions?
94/100 is KINZUA's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 KINZUA?
KINZUA 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 KINZUA directly for the exact boundaries and application steps.
Is my money safe at KINZUA?
Federal credit unions like KINZUA 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. KINZUA's net worth ratio of 14.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KINZUA offer compared to banks?
Credit unions like KINZUA 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 KINZUA 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.