State credit union · HARRISBURG, Pennsylvania · NCUA charter #64131
Pennsylvania State Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $9.31B
- Total assets
- 544,889
- Members
- 11.3%
- Net-worth ratio
Pennsylvania State Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.31B; members 544,889; net-worth ratio 11.34%; health rank #2,606 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,606 of 4,374 health · 2025Q4Pennsylvania State Employees · health 81/100 · $9.31B · 2025Q4
- CHARTER 81/100
- NCUSIF 11.3%
- CAMELS 0.89%
- HEALTH 0.90%
- NW $9.31B
- DELQ 544,889
- ROA #2,606/4,374
- ASSETS American Airlines
- MEM 64131
Call Report peers
Pennsylvania State Employees in the assets neighbourhood
Pennsylvania State Employees's $9.31B assets sit next to American Airlines ($9.30B) 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 State Employees 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
Pennsylvania State Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64131: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Pennsylvania State Employees: Call Report deltas vs peers
- Return on Assets leads the peer set - 0.90% here, 0.51% peer average (+0.40 pp).
- Largest lag: Delinquency Rate at 0.89% vs peer 0.87% (+0.01 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Pennsylvania State Employees sits in Pennsylvania
- In Pennsylvania, health place is #145 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Pennsylvania State Employees is #2 of 275 in Pennsylvania.
- Membership ranks #2 of 275 among Pennsylvania CUs with a reported count (544,889 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 State Employees: 2025Q4 → 2026Q1
Pennsylvania State Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $9.31B (2025Q4) to $9.62B (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.27% → 11.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.34% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action 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 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
Pennsylvania State Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.34% | +0.16 pp |
| Delinquency Rate | 0.89% | +0.01 pp |
| Return on Assets | 0.90% | +0.40 pp |
| Member Growth | -8.52% | - |
| Loan-to-Share Ratio | 84.02% | +0.12 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Pennsylvania State Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.62B | - |
| 2025Q4 | $9.31B | 544,889 |
| 2024Q4 | $8.72B | 595,617 |
| 2023Q4 | $8.23B | 591,730 |
Credit Union Details
- Charter Number
- 64131
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- HARRISBURG
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for Pennsylvania State Employees, spread across 14 cities.
| Office | City |
|---|---|
| Elmerton Avenue (Main Office) | Harrisburg, PA |
| PSECU Financial Education Center @ Lehigh University | Bethlehem, PA |
| PSECU eCenter at Bloomsburg | Bloomsburg, PA |
| PSECU eCenter at California University | California, PA |
| Clarion Branch | Clarion, PA |
| PSECU Service Center at East Stroudsburg University | East Stroudsburg, PA |
| PSECU eCenter at Elizabethtown College | Elizabethtown, PA |
| CUP | Harrisburg, PA |
| HACC Service Center of PSECU | Harrisburg, PA |
| PSECU Financial Education Center @ HACC Lancaster Campus | Lancaster, PA |
| Lemoyne Branch | Lemoyne, PA |
| PSECU eCenter at Lock Haven University | Lock Haven, PA |
| PSECU e-center at Mansfield University | Mansfield, PA |
| PSECU eCenter at Millersville University | Millersville, PA |
| PSECU eCenter at Shippensburg University | Shippensburg, PA |
| State College Financial Center | State College, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Pennsylvania State Employees, 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 ($9.31B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Pennsylvania State Employees ranks #2,606 of 4,374 nationally on financial health and #145 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Police & Fire is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Police & Fire
- 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 State Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Pennsylvania State Employees carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,606 of 4,374; by total assets it ranks #35 of 4,374 nationally (same basis as /rankings/largest); and #2 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.34% net worth ratio and a 0.89% delinquency rate.
How does Pennsylvania State Employees compare to other credit unions?
Pennsylvania State Employees scores 81/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Pennsylvania State Employees?
Membership eligibility for Pennsylvania State Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Pennsylvania State Employees directly for current membership requirements and application steps.
Is my money safe at Pennsylvania State Employees?
Federal credit unions like Pennsylvania State Employees 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 State Employees's net worth ratio of 11.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pennsylvania State Employees offer compared to banks?
Credit unions like Pennsylvania State Employees 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 State Employees 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.