Federal credit union · Harrisburg, Pennsylvania · NCUA charter #2625
Pennsylvania Central
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $132.2M
- Total assets
- 12,581
- Members
- 10.5%
- Net-worth ratio
Pennsylvania Central scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $132.2M; members 12,581; net-worth ratio 10.48%; health rank #202 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#202 of 4,374 health · 2025Q4Pennsylvania Central · health 97/100 · $132.2M · 2025Q4
Call Report peers
Pennsylvania Central in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pennsylvania Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pennsylvania Central sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
Where Pennsylvania Central diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 72.60% vs peer 72.20% (+0.40 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.63 pp (10.48% vs 12.11%).
Pennsylvania Central: in-state Call Report ranks
- Health composite ranks #7 of 275 among scored Pennsylvania credit unions.
- By total assets, Pennsylvania Central is #66 of 275 in Pennsylvania.
- Membership ranks #57 of 275 among Pennsylvania CUs with a reported count (12,581 members).
- One place up in Pennsylvania, PATRIOT (#6) ties at 97/100; one place down, CITYMARK (#8) scores 96/100, 1 point lower.
Pennsylvania Central: 2025Q4 → 2026Q1
Pennsylvania Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $132.2M (2025Q4) to $136.9M (2026Q1).
- Net-worth ratio shifted -0.19 pp (10.67% → 10.48%).
At 10.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Pennsylvania Central gives up 3 points in total. Delinquency Rate costs the most, 3.2 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.48% | -1.63 pp |
| Delinquency Rate | 0.82% | -0.07 pp |
| Return on Assets | 0.50% | -0.12 pp |
| Member Growth | 52.64% | - |
| Loan-to-Share Ratio | 72.60% | +0.40 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $136.9M | - |
| 2025Q4 | $132.2M | 12,581 |
| 2024Q4 | $82.1M | 8,242 |
| 2023Q4 | $83.5M | 8,818 |
Credit Union Details
- Charter Number
- 2625
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Harrisburg
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Pennsylvania Central, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Harrisburg, PA |
| FISERV | Brookfield, WI |
| Burnham | Burnham, PA |
| Jonestown Road | Harrisburg, PA |
| Derry Street | Harrisburg, PA |
| Palmyra | Palmyra, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Other-state peers near Pennsylvania Central
Using this data
- Pennsylvania Central ranks #202 of 4,374 nationally on financial health and #7 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PHEPLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PHEPLE
Frequently Asked Questions
Is Pennsylvania Central financially healthy?
On its 2025Q4 NCUA 5300 filing, Pennsylvania Central scores 97/100 (Excellent), with a 10.48% net worth ratio and 0.82% of loans delinquent. It ranks #202 of 4,374 nationally on health and #7 of 275 in Pennsylvania.
How does Pennsylvania Central compare to other credit unions?
Pennsylvania Central scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.60% vs 72.20%). Its widest shortfall is net worth ratio (10.48% vs 12.11%).
How can I join Pennsylvania Central?
Pennsylvania Central 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 Pennsylvania Central directly for the exact boundaries and application steps.
Is my money safe at Pennsylvania Central?
Pennsylvania Central 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. Pennsylvania Central's net worth ratio of 10.48% 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.