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
- DELQ 82/100
- ROA 10.5%
- ASSETS 0.46%
- MEM 0.24%
- RANK $273.6M
- PHOTO 21,915
- BOOK #2,454/4,374
- CHARTER VOYAGE
- NCUSIF 2742
Call Report peers
Penn East in the assets neighbourhood
Penn East's $273.6M assets sit next to VOYAGE ($273.2M) 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 East 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
82 43rd percentile higher than 43% 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 East - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2742: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Penn East's 5300 filing moved
Penn East: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $273.6M (2025Q4) to $277.6M (2026Q1).
- Net-worth ratio shifted +0.02 pp (10.50% → 10.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Penn East's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($273.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 East financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Penn East'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 #2,454 of 4,374; by total assets it ranks #1,084 of 4,374 nationally (same basis as /rankings/largest); and #37 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.52% net worth ratio and 0.46% delinquency rate are the key drivers.
How does Penn East compare to other credit unions?
Penn East scores 82/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Penn East 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 East's net worth ratio of 10.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Penn East offer compared to banks?
Credit unions like Penn East 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 East 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.