State credit union · York, Pennsylvania · NCUA charter #68296
White Rose
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $115.2M
- Total assets
- 10,932
- Members
- 8.7%
- Net-worth ratio
White Rose scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $115.2M; members 10,932; net-worth ratio 8.66%; health rank #3,495 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,495 of 4,374 health · 2025Q4White Rose · health 72/100 · $115.2M · 2025Q4
Call Report peers
White Rose in the assets neighbourhood
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White Rose vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); White Rose sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
White Rose: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.57% vs peer 0.89% (-0.32 pp).
- Loan-to-Share Ratio trails the peer set - 58.87% here, 72.20% peer average (-13.33 pp).
White Rose: in-state Call Report ranks
- In Pennsylvania, health place is #216 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #80 of 275 inside Pennsylvania ($115.2M reported).
- Pennsylvania membership ordinal: #63 of 275.
- One place up in Pennsylvania, Penntech Employees (#215) ties at 72/100; one place down, N.F.G. #2 (#217) scores 71/100, 1 point lower.
White Rose: 2025Q4 → 2026Q1
White Rose: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $115.2M (2025Q4) to $116.3M (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.68% → 8.66%).
8.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
White Rose gives up 28 points in total. Member Growth costs the most, 11.4 of its 15; Delinquency Rate loses the least, 0.7.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 24.3 pts
- Return on Assets 5.2 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 12.2 pts
White Rose vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.66% | -3.45 pp |
| Delinquency Rate | 0.57% | -0.32 pp |
| Return on Assets | 0.02% | -0.61 pp |
| Member Growth | -2.97% | - |
| Loan-to-Share Ratio | 58.87% | -13.33 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - White Rose
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $116.3M | - |
| 2025Q4 | $115.2M | 10,932 |
| 2024Q4 | $114.2M | 11,267 |
| 2023Q4 | $111.4M | 11,499 |
Credit Union Details
- Charter Number
- 68296
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- York
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, White Rose runs 6 offices in 2 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | York, PA |
| Dallastown | Dallastown, PA |
| West York | York, PA |
| Downtown | York, PA |
| Central School Branch | York, PA |
| East York | York, 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.
Other-state peers near White Rose
Similar total assets
Similar health score
Using this data
- White Rose ranks #3,495 of 4,374 nationally on financial health and #216 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Alliance is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Alliance
Frequently Asked Questions
Is White Rose financially healthy?
On its 2025Q4 NCUA 5300 filing, White Rose scores 72/100 (Very Good), with a 8.66% net worth ratio and 0.57% of loans delinquent. It ranks #3,495 of 4,374 nationally on health and #216 of 275 in Pennsylvania.
How does White Rose compare to other credit unions?
White Rose scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.57% vs 0.89%). Its widest shortfall is loan-to-share ratio (58.87% vs 72.20%).
How can I join White Rose?
Membership eligibility for White Rose depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact White Rose directly for current membership requirements and application steps.
Is my money safe at White Rose?
White Rose is a state-chartered 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. White Rose's net worth ratio of 8.66% 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.