Federal credit union · Lancaster, Pennsylvania · NCUA charter #2834
PENLANCO
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $27.4M
- Total assets
- 1,716
- Members
- 11.9%
- Net-worth ratio
PENLANCO scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.4M; members 1,716; net-worth ratio 11.93%; health rank #1,809 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,809 of 4,374 health · 2025Q4PENLANCO · health 86/100 · $27.4M · 2025Q4
- ASSETS 86/100
- MEM 11.9%
- RANK 0.38%
- PHOTO -0.00%
- BOOK $27.4M
- CHARTER 1,716
- NCUSIF #1,809/4,374
- CAMELS Union Fidelity
- HEALTH 2834
Call Report peers
PENLANCO in the assets neighbourhood
PENLANCO's $27.4M assets sit next to Union Fidelity ($27.4M) 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.
PENLANCO 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
86 Top 43% higher than 57% 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
PENLANCO - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2834 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for PENLANCO
- Loan-to-Share Ratio leads the peer set - 69.93% here, 59.80% peer average (+10.13 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.93 pp (11.93% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PENLANCO: in-state Call Report ranks
- Pennsylvania health ordinal: #86 of 275.
- Assets rank #157 of 275 inside Pennsylvania ($27.4M reported).
- Membership ranks #175 of 275 among Pennsylvania CUs with a reported count (1,716 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PENLANCO: 2025Q4 → 2026Q1
PENLANCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $27.4M (2025Q4) to $28.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (12.08% → 11.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.5 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.93% | -2.93 pp |
| Delinquency Rate | 0.38% | -0.76 pp |
| Return on Assets | -0.00% | -0.71 pp |
| Member Growth | 1.96% | - |
| Loan-to-Share Ratio | 69.93% | +10.13 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).
PENLANCO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.0M | - |
| 2025Q4 | $27.4M | 1,716 |
| 2024Q4 | $25.4M | 1,683 |
| 2023Q4 | $25.9M | 1,642 |
Credit Union Details
- Charter Number
- 2834
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Lancaster
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, PENLANCO runs one office.
| Office | City |
|---|---|
| Penlanco Federal Credit Union (Main Office) | Lancaster, 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
PENLANCO's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- PENLANCO ranks #1,809 of 4,374 nationally on financial health and #86 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EQT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EQT
- 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 PENLANCO financially healthy?
PENLANCO scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,809 of 4,374; by total assets it ranks #2,927 of 4,374 nationally (same basis as /rankings/largest); and #157 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.93% net worth ratio and a 0.38% delinquency rate.
How does PENLANCO compare to other credit unions?
On PlainCU's health composite, PENLANCO lands at 86/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 PENLANCO?
PENLANCO 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 PENLANCO directly for the exact boundaries and application steps.
Is my money safe at PENLANCO?
Federal credit unions like PENLANCO 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. PENLANCO's net worth ratio of 11.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PENLANCO offer compared to banks?
Credit unions like PENLANCO 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 PENLANCO 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.