Federal credit union · New York, New York · NCUA charter #15459
Penn South Cooperative
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $8.3M
- Total assets
- 817
- Members
- 14.7%
- Net-worth ratio
Penn South Cooperative scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.3M; members 817; net-worth ratio 14.69%; health rank #3,258 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,258 of 4,374 health · 2025Q4Penn South Cooperative · health 75/100 · $8.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Penn South Cooperative vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Penn South Cooperative sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Penn South Cooperative vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 93.54% here, 63.60% peer average (+29.94 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.37 pp (14.69% vs 19.06%).
New York standing for Penn South Cooperative
- Health composite ranks #183 of 272 among scored New York credit unions.
- New York assets place: #218 of 272.
- Member book place in New York: #220 of 272.
- One place up in New York, Amnh Employees (#182) ties at 75/100; one place down, MONEY (#184) ties at 75/100.
Quarter path for Penn South Cooperative
Penn South Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.3% from $8.3M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted +0.61 pp (14.08% → 14.69%).
This credit union's 14.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Penn South Cooperative gives up 25 points in total. Delinquency Rate costs the most, 10.2 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.8 pts
- Return on Assets 6.4 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 13.0 pts
Penn South Cooperative health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.69% | -4.37 pp |
| Delinquency Rate | 1.69% | -0.12 pp |
| Return on Assets | 0.04% | -0.41 pp |
| Member Growth | 1.49% | - |
| Loan-to-Share Ratio | 93.54% | +29.94 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Penn South Cooperative filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.1M | - |
| 2025Q4 | $8.3M | 817 |
| 2024Q4 | $7.9M | 805 |
| 2023Q4 | $7.6M | 789 |
Credit Union Details
- Charter Number
- 15459
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
Branch Location
Penn South Cooperative operates a single office in New York, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Penn South Credit Union (Main Office) | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Penn South Cooperative nationwide neighbourhoods
Similar health score
Using this data
- Penn South Cooperative ranks #3,258 of 4,374 nationally on financial health and #183 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MAMTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MAMTA
Frequently Asked Questions
Is Penn South Cooperative financially healthy?
On its 2025Q4 NCUA 5300 filing, Penn South Cooperative scores 75/100 (Very Good), with a 14.69% net worth ratio and 1.69% of loans delinquent. It ranks #3,258 of 4,374 nationally on health and #183 of 272 in New York.
How does Penn South Cooperative compare to other credit unions?
Penn South Cooperative scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (93.54% vs 63.60%). Its widest shortfall is net worth ratio (14.69% vs 19.06%).
How can I join Penn South Cooperative?
Penn South Cooperative serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Penn South Cooperative directly for the current list of qualifying groups.
Is my money safe at Penn South Cooperative?
Penn South Cooperative 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 South Cooperative's net worth ratio of 14.69% 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.