Federal credit union · Pittsburgh, Pennsylvania · NCUA charter #16636
Penn Hills Municipal
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $2.3M
- Total assets
- 203
- Members
- 25.1%
- Net-worth ratio
Penn Hills Municipal - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16636: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Penn Hills Municipal - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)1
- Earnings (ROA)100
- Member growth72
- Liquidity (loan-to-share)72
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 25.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.08% | 30% |
| Delinquency Rate | 3.94% | 25% |
| Return on Assets | 1.38% | 15% |
| Member Growth | 1.50% | 15% |
| Loan-to-Share Ratio | 51.03% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.3M | 203 |
| 2024Q4 | $2.5M | 200 |
| 2023Q4 | $2.8M | 221 |
Credit Union Details
- Charter Number
- 16636
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Pittsburgh
- Data Quarter
- 2025Q4
What This Data Says About Penn Hills Municipal
Headquartered in Pittsburgh, Pennsylvania, Penn Hills Municipal is a federal credit union with 203 members, $2.3M in total assets, and $839K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 67/100 (Good), driven in part by a net worth ratio of 25.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #16636 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 51.03% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 3.94% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets stands at 1.38% on net income of $31K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.50%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Penn Hills Municipal financially healthy?
Yes/no aside, the number is 67/100 (Good) - Penn Hills Municipal's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 25.08% net worth ratio and 3.94% delinquency rate are the key drivers.
How does Penn Hills Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce Penn Hills Municipal's 67/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Hills Municipal?
Penn Hills Municipal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Penn Hills Municipal directly to confirm current membership steps.
Is my money safe at Penn Hills Municipal?
Federal credit unions like Penn Hills Municipal 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 Hills Municipal's net worth ratio of 25.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Penn Hills Municipal offer compared to banks?
Credit unions like Penn Hills Municipal 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 Hills Municipal directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.