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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); University of Pennsylvania Students sits in 50-54 with 82 others.
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 vs $2M–$10M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -60.82 pp (2.78% vs 63.60%).
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).
- One place up in Pennsylvania, Honeywell Philadelphia Div (#263) scores 54/100, 1 point higher; one place down, B I (#265) scores 52/100, 1 point lower.
How University of Pennsylvania Students's 5300 filing moved
University of Pennsylvania Students: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $4.7M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.17 pp (17.08% → 16.91%).
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
University of Pennsylvania Students gives up 47 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Member Growth score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is University of Pennsylvania Students financially healthy?
University of Pennsylvania Students has a financial health score of 53/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,220 of 4,374 nationally on health and #264 of 275 in Pennsylvania. Its net worth ratio is 16.91% and its delinquency rate 4.02%.
How does University of Pennsylvania Students compare to other credit unions?
University of Pennsylvania Students scores 53/100, higher than 3% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (2.78% vs 63.60%).
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?
University of Pennsylvania Students 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. University of Pennsylvania Students's net worth ratio of 16.91% 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.