Federal credit union · COLMAR, Pennsylvania · NCUA charter #10720
North Penn
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $21.1M
- Total assets
- 1,292
- Members
- 12.1%
- Net-worth ratio
North Penn - Share Insurance Coverage
Charter #10720'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.
North Penn - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)75
- Earnings (ROA)96
- Member growth12
- Liquidity (loan-to-share)57
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.07% | 30% |
| Delinquency Rate | 1.16% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | -4.01% | 15% |
| Loan-to-Share Ratio | 28.34% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $21.1M | 1,292 |
| 2024Q4 | $20.3M | 1,346 |
| 2023Q4 | $20.9M | 1,399 |
Credit Union Details
- Charter Number
- 10720
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- COLMAR
- Data Quarter
- 2025Q4
What This Data Says About North Penn
The five-factor composite scores North Penn at 74/100 (Very Good), reflecting a net worth ratio of 12.07% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in COLMAR, Pennsylvania, reports 1,292 members, $21.1M in total assets, and $5.3M in outstanding loans as of Q4 2025 under charter #10720 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.16% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 28.34% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.46% on net income of $98K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.01%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is North Penn financially healthy?
A 12.07% net worth ratio and a 1.16% delinquency rate feed into North Penn's financial health score of 74/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does North Penn compare to other credit unions?
PlainCU's health composite puts North Penn at 74/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Penn?
North Penn 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 North Penn directly for the exact boundaries and application steps.
Is my money safe at North Penn?
Federal credit unions like North Penn 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 Penn's net worth ratio of 12.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Penn offer compared to banks?
Credit unions like North Penn 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 Penn directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.