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
Call Report peers
KINZUA in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); KINZUA sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Pennsylvania, Valley 1st Community (#22) ties at 94/100; one place down, SRU (#24) ties at 94/100.
Quarter path for KINZUA
KINZUA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $15.6M (2025Q4) to $16.6M (2026Q1).
- Net-worth ratio shifted -0.82 pp (15.34% → 14.52%).
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
KINZUA gives up 6 points in total. Loan-to-Share Ratio costs the most, 6.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is KINZUA financially healthy?
KINZUA has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #470 of 4,374 nationally on health and #23 of 275 in Pennsylvania. Its net worth ratio is 14.52% and its delinquency rate 0.14%.
How does KINZUA compare to other credit unions?
KINZUA scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.14% vs 1.15%). Its widest shortfall is loan-to-share ratio (32.07% vs 59.80%).
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?
KINZUA 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. KINZUA's net worth ratio of 14.52% 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.