Federal credit union · BELLEFONTE, Pennsylvania · NCUA charter #12729
Penn State
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $259.2M
- Total assets
- 14,376
- Members
- 13.9%
- Net-worth ratio
Penn State scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $259.2M; members 14,376; net-worth ratio 13.94%; health rank #1,079 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,079 of 4,374 health · 2025Q4Penn State · health 90/100 · $259.2M · 2025Q4
Call Report peers
Penn State in the assets neighbourhood
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Penn State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Penn State sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Penn State: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.94% vs peer 12.11% (+1.83 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.34 pp (58.86% vs 72.20%).
Penn State in Pennsylvania
- Pennsylvania health ordinal: #48 of 275.
- Assets rank #39 of 275 inside Pennsylvania ($259.2M reported).
- Pennsylvania membership ordinal: #51 of 275.
- One place up in Pennsylvania, P & G Mehoopany Employees (#47) ties at 90/100; one place down, Pocono Medical Center (#49) ties at 90/100.
Penn State: 2025Q4 → 2026Q1
Penn State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $259.2M (2025Q4) to $270.2M (2026Q1).
- Net-worth ratio shifted +0.06 pp (13.88% → 13.94%).
13.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Penn State gives up 10 points in total. Member Growth costs the most, 7.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 12.9 pts
Penn State vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.94% | +1.83 pp |
| Delinquency Rate | 0.25% | -0.64 pp |
| Return on Assets | 1.41% | +0.79 pp |
| Member Growth | -1.05% | - |
| Loan-to-Share Ratio | 58.86% | -13.34 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Penn State filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $270.2M | - |
| 2025Q4 | $259.2M | 14,376 |
| 2024Q4 | $250.9M | 14,529 |
| 2023Q4 | $237.8M | 14,667 |
Credit Union Details
- Charter Number
- 12729
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- BELLEFONTE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Penn State runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Penn State Federal Credit Union (Main Office) | Bellefonte, PA |
| Penn State Federal Credit Union - North Atherton Office | State College, 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.
Cross-state Call Report peers for Penn State
Using this data
- Penn State ranks #1,079 of 4,374 nationally on financial health and #48 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Top Tier is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Top Tier
Frequently Asked Questions
Is Penn State financially healthy?
Penn State has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,079 of 4,374 nationally on health and #48 of 275 in Pennsylvania. Its net worth ratio is 13.94% and its delinquency rate 0.25%.
How does Penn State compare to other credit unions?
Penn State scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.94% vs 12.11%). Its widest shortfall is loan-to-share ratio (58.86% vs 72.20%).
How can I join Penn State?
Penn State 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 State directly for the exact boundaries and application steps.
Is my money safe at Penn State?
Penn State 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 State's net worth ratio of 13.94% 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.