Federal credit union · Philadelphia, Pennsylvania · NCUA charter #20207
PENN
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $54.5M
- Total assets
- 6,645
- Members
- 24.4%
- Net-worth ratio
PENN scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $54.5M; members 6,645; net-worth ratio 24.37%; health rank #3,690 of 4,374; healthier than 15th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,690 of 4,374 health · 2025Q4PENN · health 68/100 · $54.5M · 2025Q4
- HEALTH 68/100
- NW 24.4%
- DELQ 1.84%
- ROA -0.08%
- ASSETS $54.5M
- MEM 6,645
- RANK #3,690/4,374
- PHOTO HEALTHNET
- BOOK 20207
Call Report peers
PENN in the assets neighbourhood
PENN's $54.5M assets sit next to HEALTHNET ($54.4M) 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.
PENN 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
68 15th percentile higher than 15% 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
PENN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20207. See our deposit-insurance coverage note.
Peer-gap read for PENN
- Net Worth Ratio leads the peer set - 24.37% here, 13.62% peer average (+10.75 pp).
- Largest lag: Loan-to-Share Ratio at 46.68% vs peer 62.60% (-15.92 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where PENN sits in Pennsylvania
- Pennsylvania health ordinal: #225 of 275.
- By total assets, PENN is #116 of 275 in Pennsylvania.
- Membership ranks #94 of 275 among Pennsylvania CUs with a reported count (6,645 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.
PENN Call Report trajectory
PENN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $54.5M (2025Q4) to $54.6M (2026Q1).
- Net-worth ratio shifted +0.21 pp (24.16% → 24.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 24.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.7 pts
- Return on Assets 3.8 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 10.5 pts
PENN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.37% | +10.75 pp |
| Delinquency Rate | 1.84% | +0.87 pp |
| Return on Assets | -0.08% | -0.74 pp |
| Member Growth | 0.87% | - |
| Loan-to-Share Ratio | 46.68% | -15.92 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
PENN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.6M | - |
| 2025Q4 | $54.5M | 6,645 |
| 2024Q4 | $56.0M | 6,588 |
| 2023Q4 | $58.9M | 6,792 |
Credit Union Details
- Charter Number
- 20207
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Philadelphia
- Data Quarter
- 2025Q4
Branch Locations (2)
PENN operates 2 offices in Philadelphia, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Penn Federal Credit Union (Main Office) | Philadelphia, PA |
| Penn Federal Credit Union | Philadelphia, 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.
Other-state peers near PENN
PENN's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($54.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- PENN ranks #3,690 of 4,374 nationally on financial health and #225 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wyoming Valley Educational Empl is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wyoming Valley Educational Empl
- 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 PENN financially healthy?
Yes/no aside, the number is 68/100 (Good) - PENN's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,690 of 4,374; by total assets it ranks #2,340 of 4,374 nationally (same basis as /rankings/largest); and #116 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.37% net worth ratio and 1.84% delinquency rate are the key drivers.
How does PENN compare to other credit unions?
On PlainCU's health composite, PENN lands at 68/100, compared to a peer group average for $50M–$100M 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 PENN?
PENN 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 PENN directly for the exact boundaries and application steps.
Is my money safe at PENN?
Federal credit unions like PENN 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. PENN's net worth ratio of 24.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PENN offer compared to banks?
Credit unions like PENN 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 PENN 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.