Federal credit union · NEW CUMBERLAND, Pennsylvania · NCUA charter #8110
New Cumberland
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $229.4M
- Total assets
- 22,747
- Members
- 9.1%
- Net-worth ratio
New Cumberland scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $229.4M; members 22,747; net-worth ratio 9.12%; health rank #1,520 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,520 of 4,374 health · 2025Q4New Cumberland · health 88/100 · $229.4M · 2025Q4
- ASSETS 88/100
- MEM 9.1%
- RANK 0.50%
- PHOTO 0.55%
- BOOK $229.4M
- CHARTER 22,747
- NCUSIF #1,520/4,374
- CAMELS SUNWEST
- HEALTH 8110
Call Report peers
New Cumberland in the assets neighbourhood
New Cumberland's $229.4M assets sit next to SUNWEST ($229.6M) 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.
New Cumberland 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
88 Top 35% higher than 65% 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
New Cumberland - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8110 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
New Cumberland vs $100M–$500M peers
- Largest favorable gap: Delinquency Rate at 0.50% vs peer 0.89% (-0.40 pp).
- Largest lag: Net Worth Ratio at 9.12% vs peer 12.11% (-2.99 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where New Cumberland sits in Pennsylvania
- Pennsylvania health ordinal: #70 of 275.
- Assets rank #46 of 275 inside Pennsylvania ($229.4M reported).
- Pennsylvania membership ordinal: #27 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 New Cumberland
New Cumberland: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $229.4M (2025Q4) to $232.7M (2026Q1).
- Net-worth ratio shifted +0.09 pp (9.03% → 9.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for New Cumberland
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.12% | -2.99 pp |
| Delinquency Rate | 0.50% | -0.40 pp |
| Return on Assets | 0.55% | -0.07 pp |
| Member Growth | -2.05% | - |
| Loan-to-Share Ratio | 70.72% | -1.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
New Cumberland filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $232.7M | - |
| 2025Q4 | $229.4M | 22,747 |
| 2024Q4 | $234.2M | 23,222 |
| 2023Q4 | $217.4M | 23,069 |
Credit Union Details
- Charter Number
- 8110
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- NEW CUMBERLAND
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, New Cumberland runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Main office (Main Office) | New Cumberland, PA |
| Gap office | Annville, PA |
| Harrisburg office | Harrisburg, PA |
| Mechanicsburg office | Mechanicsburg, PA |
| EDC office | New Cumberland, PA |
| York office | York, 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.
Nationwide credit unions with similar profiles
New Cumberland's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($229.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- New Cumberland ranks #1,520 of 4,374 nationally on financial health and #70 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AMERICHOICE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AMERICHOICE
- 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 New Cumberland financially healthy?
New Cumberland has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,520 of 4,374; by total assets it ranks #1,199 of 4,374 nationally (same basis as /rankings/largest); and #46 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.12% and delinquency rate of 0.50%.
How does New Cumberland compare to other credit unions?
88/100 is New Cumberland's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 New Cumberland?
New Cumberland 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 New Cumberland directly for the exact boundaries and application steps.
Is my money safe at New Cumberland?
Federal credit unions like New Cumberland 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. New Cumberland's net worth ratio of 9.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Cumberland offer compared to banks?
Credit unions like New Cumberland 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 New Cumberland 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.