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
- NCUSIF 97/100
- CAMELS 10.5%
- HEALTH 0.82%
- NW 0.50%
- DELQ $132.2M
- ROA 12,581
- ASSETS #202/4,374
- MEM Texoma Educators
- RANK 2625
Call Report peers
Pennsylvania Central in the assets neighbourhood
Pennsylvania Central's $132.2M assets sit next to Texoma Educators ($132.1M) 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.
Pennsylvania Central 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
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
Pennsylvania Central - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2625: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Pennsylvania Central: 2025Q4 → 2026Q1
Pennsylvania Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $132.2M (2025Q4) to $136.9M (2026Q1).
- Net-worth ratio shifted -0.19 pp (10.67% → 10.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Pennsylvania Central's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($132.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- 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 Pennsylvania Central financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - Pennsylvania Central's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #202 of 4,374; by total assets it ranks #1,587 of 4,374 nationally (same basis as /rankings/largest); and #66 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.48% net worth ratio and 0.82% delinquency rate are the key drivers.
How does Pennsylvania Central compare to other credit unions?
97/100 is Pennsylvania Central's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Pennsylvania Central 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. Pennsylvania Central's net worth ratio of 10.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pennsylvania Central offer compared to banks?
Credit unions like Pennsylvania Central 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 Pennsylvania Central 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.