Federal credit union · LEWISBURG, Pennsylvania · NCUA charter #287
Usne Penitentiary Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $14.6M
- Total assets
- 1,269
- Members
- 11.3%
- Net-worth ratio
Usne Penitentiary Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.6M; members 1,269; net-worth ratio 11.26%; health rank #1,671 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,671 of 4,374 health · 2025Q4Usne Penitentiary Employees · health 87/100 · $14.6M · 2025Q4
Call Report peers
Usne Penitentiary Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Usne Penitentiary Employees vs every NCUA-scored credit union
Usne Penitentiary Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Usne Penitentiary Employees diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.49% vs peer 1.15% (-0.65 pp).
- Loan-to-Share Ratio trails the peer set - 39.71% here, 59.80% peer average (-20.09 pp).
Usne Penitentiary Employees: in-state Call Report ranks
- In Pennsylvania, health place is #81 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Usne Penitentiary Employees is #186 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #203 of 275.
- One place up in Pennsylvania, AMERICHOICE (#80) ties at 87/100; one place down, NET (#82) ties at 87/100.
How Usne Penitentiary Employees's 5300 filing moved
Usne Penitentiary Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $14.6M (2025Q4) to $15.0M (2026Q1).
- Net-worth ratio shifted -0.17 pp (11.43% → 11.26%).
11.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Usne Penitentiary Employees gives up 13 points in total. Loan-to-Share Ratio costs the most, 5.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.4 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 9.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.26% | -3.60 pp |
| Delinquency Rate | 0.49% | -0.65 pp |
| Return on Assets | 0.33% | -0.38 pp |
| Member Growth | 1.12% | - |
| Loan-to-Share Ratio | 39.71% | -20.09 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.0M | - |
| 2025Q4 | $14.6M | 1,269 |
| 2024Q4 | $13.4M | 1,255 |
| 2023Q4 | $13.4M | 1,264 |
Credit Union Details
- Charter Number
- 287
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- LEWISBURG
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Usne Penitentiary Employees.
| Office | City |
|---|---|
| usnep employees fcu (Main Office) | LEWISBURG, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
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Usne Penitentiary Employees nationwide neighbourhoods
Similar total assets
Using this data
- Usne Penitentiary Employees ranks #1,671 of 4,374 nationally on financial health and #81 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMMONROOTS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMMONROOTS
Frequently Asked Questions
Is Usne Penitentiary Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Usne Penitentiary Employees scores 87/100 (Excellent), with a 11.26% net worth ratio and 0.49% of loans delinquent. It ranks #1,671 of 4,374 nationally on health and #81 of 275 in Pennsylvania.
How does Usne Penitentiary Employees compare to other credit unions?
Usne Penitentiary Employees scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.49% vs 1.15%). Its widest shortfall is loan-to-share ratio (39.71% vs 59.80%).
How can I join Usne Penitentiary Employees?
Usne Penitentiary Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Usne Penitentiary Employees directly to confirm current membership steps.
Is my money safe at Usne Penitentiary Employees?
Usne Penitentiary Employees 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. Usne Penitentiary Employees's net worth ratio of 11.26% 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.