Federal credit union · Pittsburgh, Pennsylvania · NCUA charter #16636
Penn Hills Municipal
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $2.3M
- Total assets
- 203
- Members
- 27.6%
- Net-worth ratio
Penn Hills Municipal scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.3M; members 203; net-worth ratio 27.55%; health rank #3,743 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,743 of 4,374 health · 2025Q4Penn Hills Municipal · health 67/100 · $2.3M · 2025Q4
Call Report peers
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Penn Hills Municipal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Penn Hills Municipal sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Penn Hills Municipal: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 27.55% here, 19.06% peer average (+8.49 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.57 pp (51.03% vs 63.60%).
Where Penn Hills Municipal sits in Pennsylvania
- Health composite ranks #231 of 275 among scored Pennsylvania credit unions.
- Assets rank #256 of 275 inside Pennsylvania ($2.3M reported).
- Pennsylvania membership ordinal: #262 of 275.
- One place up in Pennsylvania, Superior Credit Union (#230) scores 68/100, 1 point higher; one place down, Hill District (#232) ties at 67/100.
Penn Hills Municipal: 2025Q4 → 2026Q1
Penn Hills Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $2.3M (2025Q4) to $2.3M (2026Q1).
- Net-worth ratio shifted +0.32 pp (27.23% → 27.55%).
This credit union's 27.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Penn Hills Municipal gives up 33 points in total. Delinquency Rate costs the most, 24.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 10.8 pts
Penn Hills Municipal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.55% | +8.49 pp |
| Delinquency Rate | 3.94% | +2.13 pp |
| Return on Assets | 1.38% | +0.93 pp |
| Member Growth | 1.50% | - |
| Loan-to-Share Ratio | 51.03% | -12.57 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Penn Hills Municipal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.3M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Penn Hills Municipal runs one office.
| Office | City |
|---|---|
| Penn Hills Municipal FCU (Main Office) | Pittsburgh, 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
Similar health score
Using this data
- Penn Hills Municipal ranks #3,743 of 4,374 nationally on financial health and #231 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mt Pleasant Area School Emp is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mt Pleasant Area School Emp
Frequently Asked Questions
Is Penn Hills Municipal financially healthy?
Penn Hills Municipal has a financial health score of 67/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,743 of 4,374 nationally on health and #231 of 275 in Pennsylvania. Its net worth ratio is 27.55% and its delinquency rate 3.94%.
How does Penn Hills Municipal compare to other credit unions?
Penn Hills Municipal scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (27.55% vs 19.06%). Its widest shortfall is loan-to-share ratio (51.03% vs 63.60%).
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?
Penn Hills Municipal 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 Hills Municipal's net worth ratio of 27.55% 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.