Federal credit union · SCRANTON, Pennsylvania · NCUA charter #2742
Penn East
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $273.6M
- Total assets
- 21,915
- Members
- 10.5%
- Net-worth ratio
Penn East scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $273.6M; members 21,915; net-worth ratio 10.52%; health rank #2,454 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,454 of 4,374 health · 2025Q4Penn East · health 82/100 · $273.6M · 2025Q4
Call Report peers
Penn East in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Penn East vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Penn East 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 Penn East
- Largest favorable gap: Delinquency Rate at 0.46% vs peer 0.89% (-0.44 pp).
- Loan-to-Share Ratio trails the peer set - 50.06% here, 72.20% peer average (-22.14 pp).
Penn East: in-state Call Report ranks
- In Pennsylvania, health place is #127 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #37 of 275.
- Pennsylvania membership ordinal: #29 of 275.
- One place up in Pennsylvania, PAGODA (#126) ties at 82/100; one place down, Paper Converters Local 286/1034 (#128) ties at 82/100.
How Penn East's 5300 filing moved
Penn East: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $273.6M (2025Q4) to $277.6M (2026Q1).
- Net-worth ratio shifted +0.02 pp (10.50% → 10.52%).
This credit union's 10.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Penn East gives up 18 points in total. Member Growth costs the most, 9.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.1 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 10.1 pts
Penn East vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.52% | -1.59 pp |
| Delinquency Rate | 0.46% | -0.44 pp |
| Return on Assets | 0.24% | -0.38 pp |
| Member Growth | -1.77% | - |
| Loan-to-Share Ratio | 50.06% | -22.14 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Penn East
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $277.6M | - |
| 2025Q4 | $273.6M | 21,915 |
| 2024Q4 | $261.3M | 22,309 |
| 2023Q4 | $256.0M | 23,192 |
Credit Union Details
- Charter Number
- 2742
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- SCRANTON
- Data Quarter
- 2025Q4
Branch Locations (5)
Penn East operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Scranton Branch (Main Office) | Scranton, PA |
| Corporate Center | Dickson City, PA |
| Davis Street Branch | Scranton, PA |
| Clarks Summit Branch | South Abington Township, PA |
| Tunkhannock Branch | Tunkhannock, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Penn East ranks #2,454 of 4,374 nationally on financial health and #127 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BHCU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BHCU
Frequently Asked Questions
Is Penn East financially healthy?
On its 2025Q4 NCUA 5300 filing, Penn East scores 82/100 (Excellent), with a 10.52% net worth ratio and 0.46% of loans delinquent. It ranks #2,454 of 4,374 nationally on health and #127 of 275 in Pennsylvania.
How does Penn East compare to other credit unions?
Penn East scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.46% vs 0.89%). Its widest shortfall is loan-to-share ratio (50.06% vs 72.20%).
How can I join Penn East?
Penn East 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 East directly for the exact boundaries and application steps.
Is my money safe at Penn East?
Penn East 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 East's net worth ratio of 10.52% 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.