Federal credit union · New Kensington, Pennsylvania · NCUA charter #15063
New Kensington Municipal
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $3.7M
- Total assets
- 248
- Members
- 14.1%
- Net-worth ratio
New Kensington Municipal scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.7M; members 248; net-worth ratio 14.07%; health rank #917 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#917 of 4,374 health · 2025Q4New Kensington Municipal · health 91/100 · $3.7M · 2025Q4
- ROA 91/100
- ASSETS 14.1%
- MEM 0.11%
- RANK 0.18%
- PHOTO $3.7M
- BOOK 248
- CHARTER #917/4,374
- NCUSIF n/a
- CAMELS 15063
Call Report peers
New Kensington Municipal carries $3.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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New Kensington Municipal 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
91 Top 23% higher than 77% 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 Kensington Municipal - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15063 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for New Kensington Municipal
- Largest favorable gap: Loan-to-Share Ratio at 75.98% vs peer 63.60% (+12.38 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.99 pp (14.07% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where New Kensington Municipal sits in Pennsylvania
- Pennsylvania health ordinal: #43 of 275.
- Assets rank #246 of 275 inside Pennsylvania ($3.7M reported).
- Membership ranks #261 of 275 among Pennsylvania CUs with a reported count (248 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
New Kensington Municipal Call Report trajectory
New Kensington Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $3.7M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted +0.09 pp (13.98% → 14.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.2 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 14.8 pts
New Kensington Municipal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.07% | -4.99 pp |
| Delinquency Rate | 0.11% | -1.70 pp |
| Return on Assets | 0.18% | -0.27 pp |
| Member Growth | 1.64% | - |
| Loan-to-Share Ratio | 75.98% | +12.38 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
New Kensington Municipal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.7M | - |
| 2025Q4 | $3.7M | 248 |
| 2024Q4 | $3.1M | 244 |
| 2023Q4 | $3.1M | 246 |
Credit Union Details
- Charter Number
- 15063
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- New Kensington
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, New Kensington Municipal runs one office.
| Office | City |
|---|---|
| Office (Main Office) | New Kensington, 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.
Other-state peers near New Kensington Municipal
New Kensington Municipal's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- New Kensington Municipal ranks #917 of 4,374 nationally on financial health and #43 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Saint Nicholas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Saint Nicholas
- 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 Kensington Municipal financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - New Kensington Municipal's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #917 of 4,374; by total assets it ranks #3,989 of 4,374 nationally (same basis as /rankings/largest); and #246 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.07% net worth ratio and 0.11% delinquency rate are the key drivers.
How does New Kensington Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce New Kensington Municipal's 91/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 New Kensington Municipal?
New Kensington Municipal serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact New Kensington Municipal directly for the current list of qualifying groups.
Is my money safe at New Kensington Municipal?
Federal credit unions like New Kensington Municipal 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 Kensington Municipal's net worth ratio of 14.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Kensington Municipal offer compared to banks?
Credit unions like New Kensington Municipal 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 Kensington Municipal 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.