Federal credit union · Philadelphia, Pennsylvania · NCUA charter #24853
New Life
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $778K
- Total assets
- 539
- Members
- 24.7%
- Net-worth ratio
New Life scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $778K; members 539; net-worth ratio 24.67%; health rank #4,082 of 4,374; healthier than 6th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,082 of 4,374 health · 2025Q4New Life · health 59/100 · $778K · 2025Q4
- BOOK 59/100
- CHARTER 24.7%
- NCUSIF 21.05%
- CAMELS 2.29%
- HEALTH $778K
- NW 539
- DELQ #4,082/4,374
- ROA n/a
- ASSETS 24853
Call Report peers
New Life carries $778K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
New Life 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
59 6th percentile higher than 6% 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 Life - Share Insurance Coverage
Charter #24853's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where New Life diverges from peer averages
- Return on Assets leads the peer set - 2.29% here, 0.22% peer average (+2.07 pp).
- Largest lag: Loan-to-Share Ratio at 12.03% vs peer 52.70% (-40.67 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where New Life sits in Pennsylvania
- Health composite ranks #253 of 275 among scored Pennsylvania credit unions.
- Assets rank #266 of 275 inside Pennsylvania ($778K reported).
- Pennsylvania membership ordinal: #249 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 New Life's 5300 filing moved
New Life: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $778K (2025Q4) to $798K (2026Q1).
- Net-worth ratio shifted -0.94 pp (25.61% → 24.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 24.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 59/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 7.3 pts
New Life health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.67% | +1.74 pp |
| Delinquency Rate | 21.05% | +16.58 pp |
| Return on Assets | 2.29% | +2.07 pp |
| Member Growth | -1.28% | - |
| Loan-to-Share Ratio | 12.03% | -40.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
New Life quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $798K | - |
| 2025Q4 | $778K | 539 |
| 2024Q4 | $763K | 546 |
| 2023Q4 | $777K | 548 |
Credit Union Details
- Charter Number
- 24853
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- Philadelphia
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, New Life runs 2 offices.
| Office | City |
|---|---|
| New Life Credit Union - Main (Main Office) | Philadelphia, PA |
| New Life Credit Union - Branch | Philadelphia, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Cross-state Call Report peers for New Life
New Life'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 (59/100 here).
Using this data
- New Life ranks #4,082 of 4,374 nationally on financial health and #253 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Steamfitters Phila is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Steamfitters Phila
- 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 Life financially healthy?
A 24.67% net worth ratio and a 21.05% delinquency rate feed into New Life's financial health score of 59/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,082 of 4,374; by total assets it ranks #4,263 of 4,374 nationally (same basis as /rankings/largest); and #266 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does New Life compare to other credit unions?
Five weighted metrics from NCUA filings produce New Life's 59/100 score on PlainCU's health composite, compared to a peer group average for Under $2M 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 Life?
New Life 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 Life directly for the exact boundaries and application steps.
Is my money safe at New Life?
Federal credit unions like New Life 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 Life's net worth ratio of 24.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Life offer compared to banks?
Credit unions like New Life 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 Life 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.