Federal credit union · Johnsonburg, Pennsylvania · NCUA charter #13469
Penntech Employees
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $12.5M
- Total assets
- 1,308
- Members
- 10.9%
- Net-worth ratio
Penntech Employees scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.5M; members 1,308; net-worth ratio 10.90%; health rank #3,479 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,479 of 4,374 health · 2025Q4Penntech Employees · health 72/100 · $12.5M · 2025Q4
- ASSETS 72/100
- MEM 10.9%
- RANK 2.67%
- PHOTO 0.53%
- BOOK $12.5M
- CHARTER 1,308
- NCUSIF #3,479/4,374
- CAMELS Central Vermont Medical Center,Inc.
- HEALTH 13469
Call Report peers
Penntech Employees in the assets neighbourhood
Penntech Employees's $12.5M assets sit next to Central Vermont Medical Center,Inc. ($12.5M) 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.
Penntech 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
72 20th percentile higher than 20% 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
Penntech Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13469 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Penntech Employees vs $10M–$50M peers
- Loan-to-Share Ratio trails the peer set - 45.15% here, 59.80% peer average (-14.65 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Penntech Employees sits in Pennsylvania
- Pennsylvania health ordinal: #215 of 275.
- Pennsylvania assets place: #201 of 275.
- Member book place in Pennsylvania: #199 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Penntech Employees Call Report trajectory
Penntech Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.7% from $12.5M (2025Q4) to $13.1M (2026Q1).
- Net-worth ratio shifted -0.38 pp (11.28% → 10.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.3 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.90% | -3.96 pp |
| Delinquency Rate | 2.67% | +1.52 pp |
| Return on Assets | 0.53% | -0.17 pp |
| Member Growth | -0.46% | - |
| Loan-to-Share Ratio | 45.15% | -14.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.1M | - |
| 2025Q4 | $12.5M | 1,308 |
| 2024Q4 | $11.8M | 1,314 |
| 2023Q4 | $10.8M | 1,310 |
Credit Union Details
- Charter Number
- 13469
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Johnsonburg
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Penntech Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Johnsonburg, PA |
| CSPI | Jefferson City, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Penntech Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Penntech 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 ($12.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Penntech Employees ranks #3,479 of 4,374 nationally on financial health and #215 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dertown School is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dertown School
- 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 Penntech Employees financially healthy?
A 10.90% net worth ratio and a 2.67% delinquency rate feed into Penntech Employees's financial health score of 72/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,479 of 4,374; by total assets it ranks #3,432 of 4,374 nationally (same basis as /rankings/largest); and #201 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Penntech Employees compare to other credit unions?
PlainCU's health composite puts Penntech Employees at 72/100, compared to a peer group average for $10M–$50M 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 Penntech Employees?
Penntech Employees 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 Penntech Employees directly for the exact boundaries and application steps.
Is my money safe at Penntech Employees?
Federal credit unions like Penntech 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. Penntech Employees's net worth ratio of 10.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Penntech Employees offer compared to banks?
Credit unions like Penntech 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 Penntech 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.