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
NCUA 5300 Call Report Masthead
#1,260 of 4,374 health · 2025Q4PHILADELPHIA · health 89/100 · $1.95B · 2025Q4
- DELQ 89/100
- ROA 12.5%
- ASSETS 1.21%
- MEM 0.52%
- RANK $1.95B
- PHOTO 121,744
- BOOK #1,260/4,374
- CHARTER INTERRA
- NCUSIF 7238
PHILADELPHIA in the assets neighbourhood
PHILADELPHIA's $1.95B assets sit next to INTERRA ($1.95B) 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.
PHILADELPHIA 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7238: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PHILADELPHIA: 2025Q4 → 2026Q1
PHILADELPHIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $1.95B (2025Q4) to $2.01B (2026Q1).
- Net-worth ratio shifted -0.23 pp (12.75% → 12.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
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).
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
Two NCUA Call Report peer sets for PHILADELPHIA, 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 ($1.95B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- 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 PHILADELPHIA financially healthy?
PHILADELPHIA has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,260 of 4,374; by total assets it ranks #267 of 4,374 nationally (same basis as /rankings/largest); and #8 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.52% and delinquency rate of 1.21%.
How does PHILADELPHIA compare to other credit unions?
PHILADELPHIA scores 89/100 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 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?
Federal credit unions like PHILADELPHIA 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. PHILADELPHIA's net worth ratio of 12.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PHILADELPHIA offer compared to banks?
Credit unions like PHILADELPHIA 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 PHILADELPHIA 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.