Federal credit union · Philadelphia, Pennsylvania · NCUA charter #5062
Northwood
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $7.1M
- Total assets
- 312
- Members
- 18.4%
- Net-worth ratio
Northwood - Share Insurance Coverage
Charter #5062'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.
Northwood - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)91
- Earnings (ROA)16
- Member growth0
- Liquidity (loan-to-share)65
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
18.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.39% | 30% |
| Delinquency Rate | 0.72% | 25% |
| Return on Assets | -0.24% | 15% |
| Member Growth | -8.50% | 15% |
| Loan-to-Share Ratio | 42.05% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.1M | 312 |
| 2024Q4 | $7.0M | 341 |
| 2023Q4 | $8.1M | 387 |
Credit Union Details
- Charter Number
- 5062
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Philadelphia
- Data Quarter
- 2025Q4
What This Data Says About Northwood
Headquartered in Philadelphia, Pennsylvania, Northwood is a federal credit union with 312 members, $7.1M in total assets, and $2.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 65/100 (Good), driven in part by a net worth ratio of 18.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #5062 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 42.05% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.72% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at -0.24% on net income of $-17191 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 -8.50%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community/Select Employee Group) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
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 Northwood financially healthy?
Northwood has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.39% and delinquency rate of 0.72%.
How does Northwood compare to other credit unions?
65/100 is Northwood's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Northwood?
Northwood 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 Northwood directly for the exact boundaries and application steps.
Is my money safe at Northwood?
Federal credit unions like Northwood 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. Northwood's net worth ratio of 18.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northwood offer compared to banks?
Credit unions like Northwood 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 Northwood 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.