Federal credit union · Wilkes Barre, Pennsylvania · NCUA charter #2583
Saint Nicholas
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $3.6M
- Total assets
- 921
- Members
- 14.8%
- Net-worth ratio
Saint Nicholas scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.6M; members 921; net-worth ratio 14.82%; health rank #2,236 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,236 of 4,374 health · 2025Q4Saint Nicholas · health 83/100 · $3.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Saint Nicholas vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Saint Nicholas sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
Where Saint Nicholas diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 77.96% here, 63.60% peer average (+14.36 pp).
- Largest lag: Net Worth Ratio at 14.82% vs peer 19.06% (-4.24 pp).
Saint Nicholas: in-state Call Report ranks
- Pennsylvania health ordinal: #112 of 275.
- Pennsylvania assets place: #247 of 275.
- Pennsylvania membership ordinal: #218 of 275.
- One place up in Pennsylvania, Lehigh County Employees (#111) ties at 83/100; one place down, Lancaster Red Rose (#113) ties at 83/100.
How Saint Nicholas's 5300 filing moved
Saint Nicholas: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $3.6M (2025Q4) to $3.6M (2026Q1).
- Net-worth ratio shifted +0.19 pp (14.63% → 14.82%).
This credit union's 14.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Saint Nicholas gives up 17 points in total. Member Growth costs the most, 8.9 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 7.9 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Saint Nicholas
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.82% | -4.24 pp |
| Delinquency Rate | 0.58% | -1.23 pp |
| Return on Assets | 0.07% | -0.38 pp |
| Member Growth | -1.60% | - |
| Loan-to-Share Ratio | 77.96% | +14.36 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Saint Nicholas
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.6M | - |
| 2025Q4 | $3.6M | 921 |
| 2024Q4 | $3.6M | 936 |
| 2023Q4 | $4.2M | 995 |
Credit Union Details
- Charter Number
- 2583
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Wilkes Barre
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Saint Nicholas.
| Office | City |
|---|---|
| Saint Nicholas FCU (Main Office) | Wilkes Barre, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Saint Nicholas ranks #2,236 of 4,374 nationally on financial health and #112 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pocono Medical Center is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pocono Medical Center
Frequently Asked Questions
Is Saint Nicholas financially healthy?
On its 2025Q4 NCUA 5300 filing, Saint Nicholas scores 83/100 (Excellent), with a 14.82% net worth ratio and 0.58% of loans delinquent. It ranks #2,236 of 4,374 nationally on health and #112 of 275 in Pennsylvania.
How does Saint Nicholas compare to other credit unions?
Saint Nicholas scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (77.96% vs 63.60%). Its widest shortfall is net worth ratio (14.82% vs 19.06%).
How can I join Saint Nicholas?
Saint Nicholas 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 Saint Nicholas directly for the exact boundaries and application steps.
Is my money safe at Saint Nicholas?
Saint Nicholas 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. Saint Nicholas's net worth ratio of 14.82% 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.