Federal credit union · Hermitage, Pennsylvania · NCUA charter #13760
PENNSTAR
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $56.1M
- Total assets
- 4,053
- Members
- 15.6%
- Net-worth ratio
PENNSTAR scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $56.1M; members 4,053; net-worth ratio 15.56%; health rank #2,555 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,555 of 4,374 health · 2025Q4PENNSTAR · health 81/100 · $56.1M · 2025Q4
- MEM 81/100
- RANK 15.6%
- PHOTO 1.09%
- BOOK 0.52%
- CHARTER $56.1M
- NCUSIF 4,053
- CAMELS #2,555/4,374
- HEALTH PRIORITY
- NW 13760
Call Report peers
PENNSTAR in the assets neighbourhood
PENNSTAR's $56.1M assets sit next to PRIORITY ($56.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PENNSTAR vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
PENNSTAR - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13760. See our deposit-insurance coverage note.
PENNSTAR: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 15.56% here, 13.62% peer average (+1.94 pp).
- Loan-to-Share Ratio trails the peer set - 38.68% here, 62.60% peer average (-23.92 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PENNSTAR in Pennsylvania
- In Pennsylvania, health place is #136 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, PENNSTAR is #114 of 275 in Pennsylvania.
- Membership ranks #119 of 275 among Pennsylvania CUs with a reported count (4,053 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PENNSTAR: 2025Q4 → 2026Q1
PENNSTAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $56.1M (2025Q4) to $58.1M (2026Q1).
- Net-worth ratio shifted -0.39 pp (15.95% → 15.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 9.5 pts
Call Report ratios for PENNSTAR
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.56% | +1.94 pp |
| Delinquency Rate | 1.09% | +0.12 pp |
| Return on Assets | 0.52% | -0.14 pp |
| Member Growth | -1.05% | - |
| Loan-to-Share Ratio | 38.68% | -23.92 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.1M | - |
| 2025Q4 | $56.1M | 4,053 |
| 2024Q4 | $54.7M | 4,096 |
| 2023Q4 | $53.1M | 4,105 |
Credit Union Details
- Charter Number
- 13760
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Hermitage
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, PENNSTAR runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Pennstar Federal (Main Office) | Hermitage, PA |
| Galaxy Federal Credit Union | Franklin, PA |
| Pennstar Federal Credit Union | Mercer, 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.
Other-state peers near PENNSTAR
Two NCUA Call Report peer sets for PENNSTAR, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($56.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- PENNSTAR ranks #2,555 of 4,374 nationally on financial health and #136 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wyoming Valley Educational Empl is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wyoming Valley Educational Empl
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is PENNSTAR financially healthy?
PENNSTAR has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,555 of 4,374; by total assets it ranks #2,316 of 4,374 nationally (same basis as /rankings/largest); and #114 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.56% and delinquency rate of 1.09%.
How does PENNSTAR compare to other credit unions?
PlainCU's health composite puts PENNSTAR at 81/100, compared to a peer group average for $50M–$100M 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 PENNSTAR?
PENNSTAR 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 PENNSTAR directly for the exact boundaries and application steps.
Is my money safe at PENNSTAR?
Federal credit unions like PENNSTAR 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. PENNSTAR's net worth ratio of 15.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PENNSTAR offer compared to banks?
Credit unions like PENNSTAR 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 PENNSTAR directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.