Federal credit union · Erie, Pennsylvania · NCUA charter #1117
WIDGET
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $467.5M
- Total assets
- 48,883
- Members
- 10.4%
- Net-worth ratio
WIDGET scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $467.5M; members 48,883; net-worth ratio 10.40%; health rank #407 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#407 of 4,374 health · 2025Q4WIDGET · health 95/100 · $467.5M · 2025Q4
Call Report peers
WIDGET in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WIDGET vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WIDGET sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
WIDGET: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.44% here, 0.89% peer average (-0.46 pp).
- Loan-to-Share Ratio trails the peer set - 63.88% here, 72.20% peer average (-8.32 pp).
WIDGET: in-state Call Report ranks
- Pennsylvania health ordinal: #20 of 275.
- By total assets, WIDGET is #26 of 275 in Pennsylvania.
- Membership ranks #19 of 275 among Pennsylvania CUs with a reported count (48,883 members).
- One place up in Pennsylvania, INSPIRE (#19) ties at 95/100; one place down, York Educational (#21) ties at 95/100.
Quarter path for WIDGET
WIDGET: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $467.5M (2025Q4) to $485.1M (2026Q1).
- Net-worth ratio shifted -0.26 pp (10.66% → 10.40%).
This credit union's 10.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
WIDGET gives up 5 points in total. Member Growth costs the most, 3.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 13.6 pts
Call Report ratios for WIDGET
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.40% | -1.71 pp |
| Delinquency Rate | 0.44% | -0.46 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | 2.01% | - |
| Loan-to-Share Ratio | 63.88% | -8.32 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
WIDGET quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $485.1M | - |
| 2025Q4 | $467.5M | 48,883 |
| 2024Q4 | $439.7M | 47,918 |
| 2023Q4 | $427.5M | 46,884 |
Credit Union Details
- Charter Number
- 1117
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Erie
- Data Quarter
- 2025Q4
Branch Locations (9)
WIDGET operates 9 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| East Lake Rd (Main Office) | Erie, PA |
| 38th Street | Erie, PA |
| 26th Street | Erie, PA |
| Buffalo Road | Erie, PA |
| Pittsburgh Ave. | Erie, PA |
| Millfair Rd | Erie, PA |
| Mortgage Services | Erie, PA |
| Girard | Girard, PA |
| North East | North East, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near WIDGET
Similar total assets
Similar health score
Using this data
- WIDGET ranks #407 of 4,374 nationally on financial health and #20 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lehigh Valley Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lehigh Valley Educators
Frequently Asked Questions
Is WIDGET financially healthy?
WIDGET has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #407 of 4,374 nationally on health and #20 of 275 in Pennsylvania. Its net worth ratio is 10.40% and its delinquency rate 0.44%.
How does WIDGET compare to other credit unions?
WIDGET scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.44% vs 0.89%). Its widest shortfall is loan-to-share ratio (63.88% vs 72.20%).
How can I join WIDGET?
WIDGET operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact WIDGET directly for the exact boundaries and application steps.
Is my money safe at WIDGET?
WIDGET 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. WIDGET's net worth ratio of 10.40% 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.