Federal credit union · PHILADELPHIA, Pennsylvania · NCUA charter #11783
S I Philadelphia
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $197K
- Total assets
- 74
- Members
- 20.2%
- Net-worth ratio
S I Philadelphia - Share Insurance Coverage
Charter #11783's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
S I Philadelphia - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)62
- Member growth44
- Liquidity (loan-to-share)41
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.22% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.12% | 15% |
| Member Growth | -1.33% | 15% |
| Loan-to-Share Ratio | 1.68% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $197K | 74 |
| 2024Q4 | $197K | 75 |
| 2023Q4 | $219K | 75 |
Credit Union Details
- Charter Number
- 11783
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- PHILADELPHIA
- Data Quarter
- 2025Q4
What This Data Says About S I Philadelphia
Headquartered in PHILADELPHIA, Pennsylvania, S I Philadelphia is a federal credit union with 74 members, $197K in total assets, and $2K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 20.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #11783 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 1.68% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.12% on net income of $244 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.33%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is S I Philadelphia financially healthy?
A 20.22% net worth ratio and a 0.00% delinquency rate feed into S I Philadelphia's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does S I Philadelphia compare to other credit unions?
On PlainCU's health composite, S I Philadelphia lands at 77/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 S I Philadelphia?
S I Philadelphia 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 S I Philadelphia directly for the exact boundaries and application steps.
Is my money safe at S I Philadelphia?
Federal credit unions like S I 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. S I Philadelphia's net worth ratio of 20.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does S I Philadelphia offer compared to banks?
Credit unions like S I 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 S I Philadelphia directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.