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
Call Report peers
Pennsylvania State Employees in the assets neighbourhood
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Pennsylvania State Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pennsylvania State Employees sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Pennsylvania, ACCESS (#144) ties at 81/100; one place down, NEWELL (#146) ties at 81/100.
Pennsylvania State Employees: 2025Q4 → 2026Q1
Pennsylvania State Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $9.31B (2025Q4) to $9.62B (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.27% → 11.34%).
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
Pennsylvania State Employees gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Pennsylvania State Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Pennsylvania State Employees scores 81/100 (Excellent), with a 11.34% net worth ratio and 0.89% of loans delinquent. It ranks #2,606 of 4,374 nationally on health and #145 of 275 in Pennsylvania.
How does Pennsylvania State Employees compare to other credit unions?
Pennsylvania State Employees scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.90% vs 0.51%). Its widest shortfall is delinquency rate (0.89% vs 0.87%).
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?
Pennsylvania State Employees is a state-chartered 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 State Employees's net worth ratio of 11.34% 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.