Federal credit union · PHILADELPHIA, Pennsylvania · NCUA charter #11783
S I Philadelphia
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $197K
- Total assets
- 74
- Members
- 37.4%
- Net-worth ratio
S I Philadelphia scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $197K; members 74; net-worth ratio 37.41%; health rank #3,035 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,035 of 4,374 health · 2025Q4S I Philadelphia · health 77/100 · $197K · 2025Q4
- DELQ 77/100
- ROA 37.4%
- ASSETS 0.00%
- MEM 0.12%
- RANK $197K
- PHOTO 74
- BOOK #3,035/4,374
- CHARTER n/a
- NCUSIF 11783
Call Report peers
S I Philadelphia carries $197K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
S I 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
77 28th percentile higher than 28% 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
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: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 37.41% vs peer 22.93% (+14.48 pp).
- Largest lag: Loan-to-Share Ratio at 1.68% vs peer 52.70% (-51.02 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where S I Philadelphia sits in Pennsylvania
- In Pennsylvania, health place is #183 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #270 of 275.
- Membership ranks #274 of 275 among Pennsylvania CUs with a reported count (74 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
S I Philadelphia: 2025Q4 → 2026Q1
S I Philadelphia: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $197K (2025Q4) to $203K (2026Q1).
- Net-worth ratio shifted -1.04 pp (38.45% → 37.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 37.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.4 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 6.0 pts
Call Report ratios for S I Philadelphia
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.41% | +14.48 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.12% | -0.10 pp |
| Member Growth | -1.33% | - |
| Loan-to-Share Ratio | 1.68% | -51.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - S I Philadelphia
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $203K | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for S I Philadelphia, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| SI Philadelphia FCU (Main Office) | Philadelphia, PA |
| Fed Comp | Fairfax, VA |
| Marlene E Long | 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.
S I Philadelphia nationwide neighbourhoods
Two NCUA Call Report peer sets for S I Philadelphia, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- S I Philadelphia ranks #3,035 of 4,374 nationally on financial health and #183 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wayland Temple Baptist is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wayland Temple Baptist
- 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 S I Philadelphia financially healthy?
A 37.41% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,035 of 4,374; by total assets it ranks #4,347 of 4,374 nationally (same basis as /rankings/largest); and #270 of 275 within Pennsylvania. 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 37.41% 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.
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.