Federal credit union · Northampton, Pennsylvania · NCUA charter #24911
Northampton Area School Dist. Emps
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $12.3M
- Total assets
- 815
- Members
- 19.9%
- Net-worth ratio
Northampton Area School Dist. Emps scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.3M; members 815; net-worth ratio 19.88%; health rank #2,527 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,527 of 4,374 health · 2025Q4Northampton Area School Dis… · health 81/100 · $12.3M · 2025Q4
- CHARTER 81/100
- NCUSIF 19.9%
- CAMELS 0.00%
- HEALTH 1.30%
- NW $12.3M
- DELQ 815
- ROA #2,527/4,374
- ASSETS ESPEECO
- MEM 24911
Call Report peers
Northampton Area School Dist. Emps in the assets neighbourhood
Northampton Area School Dist. Emps's $12.3M assets sit next to ESPEECO ($12.2M) 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.
Northampton Area School Dist. Emps 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
81 39th percentile higher than 39% 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
Northampton Area School Dist. Emps - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24911: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Northampton Area School Dist. Emps: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +5.02 pp (19.88% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 49.77% vs peer 59.80% (-10.03 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Northampton Area School Dist. Emps in Pennsylvania
- In Pennsylvania, health place is #132 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Northampton Area School Dist. Emps is #203 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #228 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.
Northampton Area School Dist. Emps: 2025Q4 → 2026Q1
Northampton Area School Dist. Emps: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $12.3M (2025Q4) to $12.1M (2026Q1).
- Net-worth ratio shifted +0.59 pp (19.29% → 19.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.6 pts
- Loan-to-Share Ratio 10.4 pts
Northampton Area School Dist. Emps vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.88% | +5.02 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.30% | +0.59 pp |
| Member Growth | -4.68% | - |
| Loan-to-Share Ratio | 49.77% | -10.03 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 - Northampton Area School Dist. Emps
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.1M | - |
| 2025Q4 | $12.3M | 815 |
| 2024Q4 | $12.0M | 855 |
| 2023Q4 | $11.9M | 880 |
Credit Union Details
- Charter Number
- 24911
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Northampton
- Data Quarter
- 2025Q4
Branch Locations (2)
Northampton Area School Dist. Emps operates 2 offices in Northampton, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Office (Main Office) | Northampton, PA |
| Vital Records Center | Northampton, 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.
- DERTOWN SCHOOLLatrobe, PA · $10M–$50M90Health
- PENNSYLVANIA-AMERICAN WATERBethel Park, PA · $10M–$50M80Health
- WABELLCOWashington, PA · $10M–$50M62Health
- PENNTECH EMPLOYEESJohnsonburg, PA · $10M–$50M72Health
- BRADFORD AREABRADFORD, PA · $10M–$50M79Health
Compare Northampton Area School Dist. Emps vs DERTOWN SCHOOL
Cross-state Call Report peers for Northampton Area School Dis…
Cross-state asset and health neighbours for Northampton Area School Dist. Emps - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Northampton Area School Dist. Emps ranks #2,527 of 4,374 nationally on financial health and #132 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dertown School is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dertown School
- 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 Northampton Area School Dist. Emps financially healthy?
A 19.88% net worth ratio and a 0.00% delinquency rate feed into Northampton Area School Dist. Emps's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,527 of 4,374; by total assets it ranks #3,444 of 4,374 nationally (same basis as /rankings/largest); and #203 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Northampton Area School Dist. Emps compare to other credit unions?
81/100 is Northampton Area School Dist. Emps's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Northampton Area School Dist. Emps?
Northampton Area School Dist. Emps is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Northampton Area School Dist. Emps directly to confirm eligibility.
Is my money safe at Northampton Area School Dist. Emps?
Federal credit unions like Northampton Area School Dist. Emps 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. Northampton Area School Dist. Emps's net worth ratio of 19.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northampton Area School Dist. Emps offer compared to banks?
Credit unions like Northampton Area School Dist. Emps 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 Northampton Area School Dist. Emps 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.