Federal credit union · Philadelphia, Pennsylvania · NCUA charter #7238
PHILADELPHIA
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.95B
- Total assets
- 121,744
- Members
- 12.5%
- Net-worth ratio
PHILADELPHIA scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.95B; members 121,744; net-worth ratio 12.52%; health rank #1,260 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
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PHILADELPHIA vs every NCUA-scored credit union
PHILADELPHIA sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
PHILADELPHIA: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 12.52% vs peer 11.18% (+1.34 pp).
- Largest lag: Loan-to-Share Ratio at 72.31% vs peer 83.90% (-11.59 pp).
PHILADELPHIA: in-state Call Report ranks
- Pennsylvania health ordinal: #59 of 275.
- Assets rank #8 of 275 inside Pennsylvania ($1.95B reported).
- Member book place in Pennsylvania: #9 of 275.
- One place up in Pennsylvania, B. Braun (#58) ties at 89/100; one place down, Ussco Johnstown (#60) ties at 89/100.
PHILADELPHIA: 2025Q4 → 2026Q1
PHILADELPHIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $1.95B (2025Q4) to $2.01B (2026Q1).
- Net-worth ratio shifted -0.23 pp (12.75% → 12.52%).
This credit union's 12.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
PHILADELPHIA gives up 11 points in total. Delinquency Rate costs the most, 6.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.52% | +1.34 pp |
| Delinquency Rate | 1.21% | +0.34 pp |
| Return on Assets | 0.52% | +0.01 pp |
| Member Growth | 1.29% | - |
| Loan-to-Share Ratio | 72.31% | -11.59 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - PHILADELPHIA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.01B | - |
| 2025Q4 | $1.95B | 121,744 |
| 2024Q4 | $1.77B | 120,192 |
| 2023Q4 | $1.62B | 120,320 |
Credit Union Details
- Charter Number
- 7238
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Philadelphia
- Data Quarter
- 2025Q4
Branch Locations (14)
Per its most recent NCUA branch filing, PHILADELPHIA runs 14 offices in 3 different cities.
| Office | City |
|---|---|
| PFCU Operations Center (Main Office) | Philadelphia, PA |
| Bloomsburg - 1615 Columbia | Bloomsburg, PA |
| Glenside - 259 S Easton | Glenside, PA |
| Center City - 1108 Chestnut | Philadelphia, PA |
| Northeast - 8025 Roosevelt | Philadelphia, PA |
| Northwest Philadelphia - 6707 Germantown | Philadelphia, PA |
| Center City - 1600 Arch | Philadelphia, PA |
| Temple - 1801 N Broad | Philadelphia, PA |
| Northeast - Service Center | Philadelphia, PA |
| South Philadelphia - 929 Snyder | Philadelphia, PA |
| West Philadelphia - 5000 Baltimore | Philadelphia, PA |
| Fishtown - 2135 E Dauphin | Philadelphia, PA |
| Torresdale - 3799 Clarendon | Philadelphia, PA |
| East Falls - 4300 Ridge | Philadelphia, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- PHILADELPHIA ranks #1,260 of 4,374 nationally on financial health and #59 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Franklin Mint is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Franklin Mint
Frequently Asked Questions
Is PHILADELPHIA financially healthy?
PHILADELPHIA has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,260 of 4,374 nationally on health and #59 of 275 in Pennsylvania. Its net worth ratio is 12.52% and its delinquency rate 1.21%.
How does PHILADELPHIA compare to other credit unions?
PHILADELPHIA scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.52% vs 11.18%). Its widest shortfall is loan-to-share ratio (72.31% vs 83.90%).
How can I join PHILADELPHIA?
PHILADELPHIA serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact PHILADELPHIA directly for the current list of qualifying groups.
Is my money safe at PHILADELPHIA?
PHILADELPHIA 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. PHILADELPHIA's net worth ratio of 12.52% 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.