Federal credit union · Philadelphia, Pennsylvania · NCUA charter #5062
NORTHWOOD
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $7.1M
- Total assets
- 312
- Members
- 19.1%
- Net-worth ratio
NORTHWOOD scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.1M; members 312; net-worth ratio 19.13%; health rank #3,859 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,859 of 4,374 health · 2025Q4NORTHWOOD · health 65/100 · $7.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NORTHWOOD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NORTHWOOD sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for NORTHWOOD
- Largest favorable gap: Delinquency Rate at 0.72% vs peer 1.81% (-1.09 pp).
- Loan-to-Share Ratio trails the peer set - 42.05% here, 63.60% peer average (-21.55 pp).
Where NORTHWOOD sits in Pennsylvania
- Pennsylvania health ordinal: #239 of 275.
- Pennsylvania assets place: #227 of 275.
- Member book place in Pennsylvania: #258 of 275.
- One place up in Pennsylvania, EQT (#238) scores 66/100, 1 point higher; one place down, Par-Del Emp. (#240) ties at 65/100.
How NORTHWOOD's 5300 filing moved
NORTHWOOD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.3% from $7.1M (2025Q4) to $6.8M (2026Q1).
- Net-worth ratio shifted +0.74 pp (18.39% → 19.13%).
19.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
NORTHWOOD gives up 35 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 2.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.13% | +0.07 pp |
| Delinquency Rate | 0.72% | -1.09 pp |
| Return on Assets | -0.24% | -0.69 pp |
| Member Growth | -8.50% | - |
| Loan-to-Share Ratio | 42.05% | -21.55 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.8M | - |
| 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
Branch Locations (2)
NORTHWOOD operates 2 offices in Philadelphia, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Northwood Federal Credit Union (Main Office) | Philadelphia, PA |
| Canaan Baptist Church | Philadelphia, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- NORTHWOOD ranks #3,859 of 4,374 nationally on financial health and #239 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pace Resources is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pace Resources
Frequently Asked Questions
Is NORTHWOOD financially healthy?
On its 2025Q4 NCUA 5300 filing, NORTHWOOD scores 65/100 (Good), with a 19.13% net worth ratio and 0.72% of loans delinquent. It ranks #3,859 of 4,374 nationally on health and #239 of 275 in Pennsylvania.
How does NORTHWOOD compare to other credit unions?
NORTHWOOD scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.72% vs 1.81%). Its widest shortfall is loan-to-share ratio (42.05% vs 63.60%).
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?
NORTHWOOD 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. NORTHWOOD's net worth ratio of 19.13% 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.