Federal credit union · Trafford, Pennsylvania · NCUA charter #17014
Penn-trafford School Emp.
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $5.2M
- Total assets
- 549
- Members
- 21.0%
- Net-worth ratio
Penn-trafford School Emp. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #17014: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Penn-trafford School Emp. - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth39
- Liquidity (loan-to-share)72
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 20.95% 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 | 20.95% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 2.82% | 15% |
| Member Growth | -1.79% | 15% |
| Loan-to-Share Ratio | 51.44% | 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 | $5.2M | 549 |
| 2024Q4 | $5.4M | 559 |
| 2023Q4 | $5.3M | 565 |
Credit Union Details
- Charter Number
- 17014
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Trafford
- Data Quarter
- 2025Q4
What This Data Says About Penn-trafford School Emp.
The five-factor composite scores Penn-trafford School Emp. at 87/100 (Excellent), reflecting a net worth ratio of 20.95% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Trafford, Pennsylvania, reports 549 members, $5.2M in total assets, and $2.1M in outstanding loans as of Q4 2025 under charter #17014 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Deposits deployed into lending sit at a 51.44% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% 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 tighter than peers. Return on assets stands at 2.82% on net income of $146K 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 -1.79%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Single Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
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-trafford School Emp. financially healthy?
A 20.95% net worth ratio and a 0.00% delinquency rate feed into Penn-trafford School Emp.'s financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Penn-trafford School Emp. compare to other credit unions?
PlainCU's health composite puts Penn-trafford School Emp. at 87/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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-trafford School Emp.?
Penn-trafford School Emp. is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Penn-trafford School Emp. directly to confirm eligibility.
Is my money safe at Penn-trafford School Emp.?
Federal credit unions like Penn-trafford School Emp. 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-trafford School Emp.'s net worth ratio of 20.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Penn-trafford School Emp. offer compared to banks?
Credit unions like Penn-trafford School Emp. 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-trafford School Emp. 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.