State credit union · GIBSONIA, Pennsylvania · NCUA charter #61636
North Districts
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $44.6M
- Total assets
- 3,283
- Members
- 15.3%
- Net-worth ratio
North Districts scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.6M; members 3,283; net-worth ratio 15.30%; health rank #3,986 of 4,374; healthier than 8th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,986 of 4,374 health · 2025Q4North Districts · health 62/100 · $44.6M · 2025Q4
- MEM 62/100
- RANK 15.3%
- PHOTO 5.95%
- BOOK 0.75%
- CHARTER $44.6M
- NCUSIF 3,283
- CAMELS #3,986/4,374
- HEALTH BOULEVARD
- NW 61636
Call Report peers
North Districts in the assets neighbourhood
North Districts's $44.6M assets sit next to BOULEVARD ($44.6M) 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.
North Districts 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
62 8th percentile higher than 8% 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
North Districts - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61636 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
North Districts: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 15.30% here, 14.86% peer average (+0.44 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.86 pp (40.94% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for North Districts
- Health composite ranks #247 of 275 among scored Pennsylvania credit unions.
- Assets rank #130 of 275 inside Pennsylvania ($44.6M reported).
- Membership ranks #132 of 275 among Pennsylvania CUs with a reported count (3,283 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.
North Districts Call Report trajectory
North Districts: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $44.6M (2025Q4) to $44.9M (2026Q1).
- Net-worth ratio shifted +0.12 pp (15.18% → 15.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for North Districts
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.30% | +0.44 pp |
| Delinquency Rate | 5.95% | +4.81 pp |
| Return on Assets | 0.75% | +0.04 pp |
| Member Growth | -1.03% | - |
| Loan-to-Share Ratio | 40.94% | -18.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - North Districts
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.9M | - |
| 2025Q4 | $44.6M | 3,283 |
| 2024Q4 | $43.9M | 3,317 |
| 2023Q4 | $43.7M | 3,467 |
Credit Union Details
- Charter Number
- 61636
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- GIBSONIA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for North Districts.
| Office | City |
|---|---|
| NORTH DISTRICTS COMMUNITY CREDIT UNION (Main Office) | GIBSONIA, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for North Districts - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- North Districts ranks #3,986 of 4,374 nationally on financial health and #247 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- York Educational is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with York Educational
- 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 North Districts financially healthy?
North Districts scores 62/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,986 of 4,374; by total assets it ranks #2,503 of 4,374 nationally (same basis as /rankings/largest); and #130 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.30% net worth ratio and a 5.95% delinquency rate.
How does North Districts compare to other credit unions?
Five weighted metrics from NCUA filings produce North Districts's 62/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 North Districts?
Membership eligibility for North Districts depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact North Districts directly for current membership requirements and application steps.
Is my money safe at North Districts?
Federal credit unions like North Districts 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. North Districts's net worth ratio of 15.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Districts offer compared to banks?
Credit unions like North Districts 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 North Districts 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.