Federal credit union · LEBANON, Pennsylvania · NCUA charter #19510
LEBANON
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $524.7M
- Total assets
- 35,957
- Members
- 9.6%
- Net-worth ratio
LEBANON scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $524.7M; members 35,957; net-worth ratio 9.64%; health rank #1,156 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,156 of 4,374 health · 2025Q4LEBANON · health 90/100 · $524.7M · 2025Q4
- CHARTER 90/100
- NCUSIF 9.6%
- CAMELS 0.86%
- HEALTH 0.43%
- NW $524.7M
- DELQ 35,957
- ROA #1,156/4,374
- ASSETS DESCO
- MEM 19510
Call Report peers
LEBANON in the assets neighbourhood
LEBANON's $524.7M assets sit next to DESCO ($524.5M) 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.
LEBANON 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
90 Top 27% higher than 73% 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
LEBANON - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #19510. See our deposit-insurance coverage note.
Where LEBANON diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 85.61% vs peer 83.90% (+1.71 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.54 pp (9.64% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for LEBANON
- In Pennsylvania, health place is #53 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, LEBANON is #24 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #22 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.
How LEBANON's 5300 filing moved
LEBANON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $524.7M (2025Q4) to $538.0M (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.44% → 9.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 21.4 pts
- Return on Assets 13.9 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 15.0 pts
LEBANON vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.64% | -1.54 pp |
| Delinquency Rate | 0.86% | -0.01 pp |
| Return on Assets | 0.43% | -0.08 pp |
| Member Growth | 1.30% | - |
| Loan-to-Share Ratio | 85.61% | +1.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - LEBANON
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $538.0M | - |
| 2025Q4 | $524.7M | 35,957 |
| 2024Q4 | $488.3M | 35,495 |
| 2023Q4 | $469.6M | 33,878 |
Credit Union Details
- Charter Number
- 19510
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- LEBANON
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, LEBANON runs 7 offices in 5 different cities.
| Office | City |
|---|---|
| LFCU Operations Center (Main Office) | Lebanon, PA |
| Lebanon Federal Credit Union | Annville, PA |
| Lebanon Federal Credit Union | Jonestown, PA |
| Lebanon Federal Credit Union | Lebanon, PA |
| Lebanon Federal Credit Union | Lebanon, PA |
| Lebanon Federal Credit Union | Myerstown, PA |
| Lebanon Federal Credit Union | Palmyra, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
LEBANON nationwide neighbourhoods
LEBANON's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($524.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- LEBANON ranks #1,156 of 4,374 nationally on financial health and #53 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- APCI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with APCI
- 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 LEBANON financially healthy?
A 9.64% net worth ratio and a 0.86% delinquency rate feed into LEBANON's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,156 of 4,374; by total assets it ranks #729 of 4,374 nationally (same basis as /rankings/largest); and #24 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does LEBANON compare to other credit unions?
PlainCU's health composite puts LEBANON at 90/100, compared to a peer group average for Over $500M 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 LEBANON?
LEBANON 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 LEBANON directly for the exact boundaries and application steps.
Is my money safe at LEBANON?
Federal credit unions like LEBANON 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. LEBANON's net worth ratio of 9.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LEBANON offer compared to banks?
Credit unions like LEBANON 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 LEBANON 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.