Federal credit union · READING, Pennsylvania · NCUA charter #15532
PAGODA
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $31.8M
- Total assets
- 2,623
- Members
- 11.3%
- Net-worth ratio
PAGODA scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.8M; members 2,623; net-worth ratio 11.35%; health rank #2,447 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,447 of 4,374 health · 2025Q4PAGODA · health 82/100 · $31.8M · 2025Q4
Call Report peers
PAGODA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PAGODA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PAGODA sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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 PAGODA
- Return on Assets leads the peer set - 1.77% here, 0.70% peer average (+1.06 pp).
- Largest lag: Loan-to-Share Ratio at 36.20% vs peer 59.80% (-23.60 pp).
Pennsylvania standing for PAGODA
- In Pennsylvania, health place is #126 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #152 of 275.
- Pennsylvania membership ordinal: #148 of 275.
- One place up in Pennsylvania, MC (#125) ties at 82/100; one place down, Penn East (#127) ties at 82/100.
How PAGODA's 5300 filing moved
PAGODA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $31.8M (2025Q4) to $33.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.34% → 11.35%).
11.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
PAGODA gives up 18 points in total. Member Growth costs the most, 12.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 9.3 pts
PAGODA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.35% | -3.51 pp |
| Delinquency Rate | 0.51% | -0.63 pp |
| Return on Assets | 1.77% | +1.06 pp |
| Member Growth | -3.42% | - |
| Loan-to-Share Ratio | 36.20% | -23.60 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - PAGODA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.0M | - |
| 2025Q4 | $31.8M | 2,623 |
| 2024Q4 | $29.9M | 2,716 |
| 2023Q4 | $29.7M | 2,839 |
Credit Union Details
- Charter Number
- 15532
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- READING
- Data Quarter
- 2025Q4
Branch Location
PAGODA operates a single office in Reading, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Reading Office (Main Office) | Reading, 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.
Cross-state Call Report peers for PAGODA
Similar total assets
Similar health score
Using this data
- PAGODA ranks #2,447 of 4,374 nationally on financial health and #126 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lehigh County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lehigh County Employees
Frequently Asked Questions
Is PAGODA financially healthy?
On its 2025Q4 NCUA 5300 filing, PAGODA scores 82/100 (Excellent), with a 11.35% net worth ratio and 0.51% of loans delinquent. It ranks #2,447 of 4,374 nationally on health and #126 of 275 in Pennsylvania.
How does PAGODA compare to other credit unions?
PAGODA scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.77% vs 0.70%). Its widest shortfall is loan-to-share ratio (36.20% vs 59.80%).
How can I join PAGODA?
PAGODA 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 PAGODA directly for the exact boundaries and application steps.
Is my money safe at PAGODA?
PAGODA 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. PAGODA's net worth ratio of 11.35% 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.