State credit union · Leola, Pennsylvania · NCUA charter #60113
Lancaster Red Rose
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $53.7M
- Total assets
- 4,862
- Members
- 14.3%
- Net-worth ratio
Lancaster Red Rose - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60113: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Lancaster Red Rose - 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)84
- Earnings (ROA)100
- Member growth40
- Liquidity (loan-to-share)70
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.34% 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 | 14.34% | 30% |
| Delinquency Rate | 0.90% | 25% |
| Return on Assets | 1.97% | 15% |
| Member Growth | -1.64% | 15% |
| Loan-to-Share Ratio | 49.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $53.7M | 4,862 |
| 2024Q4 | $52.2M | 4,943 |
| 2023Q4 | $55.1M | 5,099 |
Credit Union Details
- Charter Number
- 60113
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Leola
- Data Quarter
- 2025Q4
What This Data Says About Lancaster Red Rose
4,862 members and $53.7M in total assets sit behind Lancaster Red Rose, a state credit union in Leola, Pennsylvania, which posts a health score of 83/100 (Excellent) on the five-factor composite, with $22.8M in outstanding loans as of Q4 2025 and a net worth ratio of 14.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60113 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.90% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 49.91% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.97% on net income of $1.1M 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 -1.64%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
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 Lancaster Red Rose financially healthy?
Lancaster Red Rose scores 83/100 (Excellent) 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 14.34% net worth ratio and a 0.90% delinquency rate.
How does Lancaster Red Rose compare to other credit unions?
Lancaster Red Rose scores 83/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Lancaster Red Rose?
Membership eligibility for Lancaster Red Rose depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lancaster Red Rose directly for current membership requirements and application steps.
Is my money safe at Lancaster Red Rose?
Federal credit unions like Lancaster Red Rose 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. Lancaster Red Rose's net worth ratio of 14.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lancaster Red Rose offer compared to banks?
Credit unions like Lancaster Red Rose 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 Lancaster Red Rose 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.