Federal credit union · Philadelphia, Pennsylvania · NCUA charter #24290
University of Pennsylvania Students
Health score 53/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $4.7M
- Total assets
- 693
- Members
- 17.1%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)9
- Member growth100
- Liquidity (loan-to-share)42
Weighted composite: 53/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.08% | 30% |
| Delinquency Rate | 4.02% | 25% |
| Return on Assets | -0.36% | 15% |
| Member Growth | 9.48% | 15% |
| Loan-to-Share Ratio | 2.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About University of Pennsylvania Students
The five-factor composite scores University of Pennsylvania Students at 53/100 (Fair), reflecting a net worth ratio of 17.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Philadelphia, Pennsylvania, reports 693 members, $4.7M in total assets, and $107K in outstanding loans as of Q4 2025 under charter #24290 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 4.02% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. The loan-to-share ratio of 2.78% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.36% on net income of $-16804 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 9.48%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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–$10M80Health
Compare University of Pennsylvania Students vs CHESWICK ATOMIC DIVISION
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 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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.08% 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 17.08% 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.
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.