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
Call Report peers
PENN in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); PENN sits in 65-69 with 275 others.
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
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).
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).
- One place up in Pennsylvania, COMMONROOTS (#224) scores 69/100, 1 point higher; one place down, Crayola LLC Employees Credit Union (#226) ties at 68/100.
PENN Call Report trajectory
PENN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $54.5M (2025Q4) to $54.6M (2026Q1).
- Net-worth ratio shifted +0.21 pp (24.16% → 24.37%).
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
PENN gives up 32 points in total. Delinquency Rate costs the most, 11.3 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is PENN financially healthy?
On its 2025Q4 NCUA 5300 filing, PENN scores 68/100 (Good), with a 24.37% net worth ratio and 1.84% of loans delinquent. It ranks #3,690 of 4,374 nationally on health and #225 of 275 in Pennsylvania.
How does PENN compare to other credit unions?
PENN scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (24.37% vs 13.62%). Its widest shortfall is loan-to-share ratio (46.68% vs 62.60%).
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?
PENN 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. PENN's net worth ratio of 24.37% 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.