Federal credit union · Philadelphia, Pennsylvania · NCUA charter #24290
University of Pennsylvania Students
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $4.7M
- Total assets
- 693
- Members
- 16.9%
- Net-worth ratio
University of Pennsylvania Students scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.7M; members 693; net-worth ratio 16.91%; health rank #4,220 of 4,374; healthier than 3rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,220 of 4,374 health · 2025Q4University · health 53/100 · $4.7M · 2025Q4
- NCUSIF 53/100
- CAMELS 16.9%
- HEALTH 4.02%
- NW -0.36%
- DELQ $4.7M
- ROA 693
- ASSETS #4,220/4,374
- MEM n/a
- RANK 24290
Call Report peers
University of Pennsylvania Students carries $4.7M 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.
University of Pennsylvania Students 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
53 3rd percentile higher than 3% 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
University of Pennsylvania Students - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24290 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
University of Pennsylvania Students vs $2M–$10M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -60.82 pp (2.78% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
University of Pennsylvania Students: in-state Call Report ranks
- In Pennsylvania, health place is #264 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, University of Pennsylvania Students is #241 of 275 in Pennsylvania.
- Membership ranks #238 of 275 among Pennsylvania CUs with a reported count (693 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.
How University of Pennsylvania Students's 5300 filing moved
University of Pennsylvania Students: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $4.7M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.17 pp (17.08% → 16.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 53/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 1.3 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 6.7 pts
Call Report ratios for University of Pennsylvania Students
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.91% | -2.15 pp |
| Delinquency Rate | 4.02% | +2.21 pp |
| Return on Assets | -0.36% | -0.81 pp |
| Member Growth | 9.48% | - |
| Loan-to-Share Ratio | 2.78% | -60.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.9M | - |
| 2025Q4 | $4.7M | 693 |
| 2024Q4 | $5.4M | 633 |
| 2023Q4 | $6.1M | 717 |
Credit Union Details
- Charter Number
- 24290
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Philadelphia
- Data Quarter
- 2025Q4
Branch Location
University of Pennsylvania Students operates a single office in Philadelphia, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| University of Pennsylvania Students Federal Credit Union (Main Office) | Philadelphia, 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.
- CHESWICK ATOMIC DIVISIONHarwick, PA · $2M–$10M89Health
- AVHnatrona heights, PA · $2M–$10M66Health
- GREENSBURG TEACHERSGREENSBURG, PA · $2M–$10M51Health
- PENN-TRAFFORD SCHOOL EMP.Trafford, PA · $2M–$10M87Health
- MULTI-SCHOOLSWampum, PA · $2M–$10M81Health
Compare University of Pennsylvania Students vs CHESWICK ATOMIC DIVISION
Other-state peers near University of Pennsylvania Students
Cross-state asset and health neighbours for University of Pennsylvania Students - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
Using this data
- University of Pennsylvania Students ranks #4,220 of 4,374 nationally on financial health and #264 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cheswick Atomic Division is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cheswick Atomic Division
- 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 University of Pennsylvania Students financially healthy?
University of Pennsylvania Students scores 53/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,220 of 4,374; by total assets it ranks #3,917 of 4,374 nationally (same basis as /rankings/largest); and #241 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.91% net worth ratio and a 4.02% delinquency rate.
How does University of Pennsylvania Students compare to other credit unions?
University of Pennsylvania Students scores 53/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 University of Pennsylvania Students?
University of Pennsylvania Students 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 University of Pennsylvania Students directly for the current list of qualifying groups.
Is my money safe at University of Pennsylvania Students?
Federal credit unions like University of Pennsylvania Students 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. University of Pennsylvania Students's net worth ratio of 16.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does University of Pennsylvania Students offer compared to banks?
Credit unions like University of Pennsylvania Students 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 University of Pennsylvania Students 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.