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
Call Report peers
Northampton Area School Dist. Emps in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Northampton Area School Dist. Emps sits in 80-84 with 767 others.
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: 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).
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.
- One place up in Pennsylvania, Hazleton School Employees (#131) ties at 81/100; one place down, HIGHWAY (#133) ties at 81/100.
Northampton Area School Dist. Emps: 2025Q4 → 2026Q1
Northampton Area School Dist. Emps: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $12.3M (2025Q4) to $12.1M (2026Q1).
- Net-worth ratio shifted +0.59 pp (19.29% → 19.88%).
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
Northampton Area School Dist. Emps gives up 19 points in total. Member Growth costs the most, 14.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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…
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
Frequently Asked Questions
Is Northampton Area School Dist. Emps financially healthy?
On its 2025Q4 NCUA 5300 filing, Northampton Area School Dist. Emps scores 81/100 (Excellent), with a 19.88% net worth ratio and 0.00% of loans delinquent. It ranks #2,527 of 4,374 nationally on health and #132 of 275 in Pennsylvania.
How does Northampton Area School Dist. Emps compare to other credit unions?
Northampton Area School Dist. Emps scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.88% vs 14.86%). Its widest shortfall is loan-to-share ratio (49.77% vs 59.80%).
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?
Northampton Area School Dist. Emps is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.