Federal credit union · Scranton, Pennsylvania · NCUA charter #4792
NET
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $339.3M
- Total assets
- 19,668
- Members
- 10.5%
- Net-worth ratio
NET scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $339.3M; members 19,668; net-worth ratio 10.47%; health rank #1,689 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,689 of 4,374 health · 2025Q4NET · health 87/100 · $339.3M · 2025Q4
Call Report peers
NET in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NET vs every NCUA-scored credit union
NET sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where NET diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 60.31% vs peer 72.20% (-11.89 pp).
NET: in-state Call Report ranks
- In Pennsylvania, health place is #82 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #31 of 275.
- Pennsylvania membership ordinal: #33 of 275.
- One place up in Pennsylvania, Usne Penitentiary Employees (#81) ties at 87/100; one place down, The One (#83) ties at 87/100.
How NET's 5300 filing moved
NET: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $339.3M (2025Q4) to $344.2M (2026Q1).
- Net-worth ratio shifted -0.07 pp (10.54% → 10.47%).
10.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
NET gives up 13 points in total. Return on Assets costs the most, 5.6 of its 15; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 9.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.7 pts
NET health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -1.64 pp |
| Delinquency Rate | 1.01% | +0.12 pp |
| Return on Assets | 0.13% | -0.49 pp |
| Member Growth | 5.69% | - |
| Loan-to-Share Ratio | 60.31% | -11.89 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $344.2M | - |
| 2025Q4 | $339.3M | 19,668 |
| 2024Q4 | $303.7M | 18,610 |
| 2023Q4 | $274.5M | 18,170 |
Credit Union Details
- Charter Number
- 4792
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Scranton
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, NET runs 4 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| Mulberry St Office (Main Office) | Scranton, PA |
| Centurian Enterprize Level Back Up | Monett, MO |
| Olyphant | Olyphant, PA |
| Taylor Branch | Taylor, 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.
Other-state peers near NET
Similar total assets
Using this data
- NET ranks #1,689 of 4,374 nationally on financial health and #82 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIVERFRONT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIVERFRONT
Frequently Asked Questions
Is NET financially healthy?
NET has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,689 of 4,374 nationally on health and #82 of 275 in Pennsylvania. Its net worth ratio is 10.47% and its delinquency rate 1.01%.
How does NET compare to other credit unions?
NET scores 87/100, higher than 60% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (60.31% vs 72.20%).
How can I join NET?
NET 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 NET directly for the exact boundaries and application steps.
Is my money safe at NET?
NET 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. NET's net worth ratio of 10.47% 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.