Federal credit union · Wilkes Barre, Pennsylvania · NCUA charter #2657
Wyoming Valley Educational Empl
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $54.8M
- Total assets
- 1,604
- Members
- 9.1%
- Net-worth ratio
Wyoming Valley Educational Empl scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $54.8M; members 1,604; net-worth ratio 9.09%; health rank #3,208 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,208 of 4,374 health · 2025Q4Wyoming Valley Educational… · health 76/100 · $54.8M · 2025Q4
- RANK 76/100
- PHOTO 9.1%
- BOOK 0.16%
- CHARTER 0.35%
- NCUSIF $54.8M
- CAMELS 1,604
- HEALTH #3,208/4,374
- NW Newport News Mun. Emp Credit Union
- DELQ 2657
Call Report peers
Wyoming Valley Educational Empl in the assets neighbourhood
Wyoming Valley Educational Empl's $54.8M assets sit next to Newport News Mun. Emp Credit Union ($54.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wyoming Valley Educational Empl vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% 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
Wyoming Valley Educational Empl - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #2657. See our deposit-insurance coverage note.
Peer-gap read for Wyoming Valley Educational Empl
- Delinquency Rate leads the peer set - 0.16% here, 0.96% peer average (-0.81 pp).
- Loan-to-Share Ratio trails the peer set - 14.86% here, 62.60% peer average (-47.74 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Wyoming Valley Educational Empl
- Pennsylvania health ordinal: #195 of 275.
- Assets rank #115 of 275 inside Pennsylvania ($54.8M reported).
- Pennsylvania membership ordinal: #181 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Wyoming Valley Educational Empl: 2025Q4 → 2026Q1
Wyoming Valley Educational Empl: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $54.8M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted +0.09 pp (9.00% → 9.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.7 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 7.3 pts
Wyoming Valley Educational Empl vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.09% | -4.53 pp |
| Delinquency Rate | 0.16% | -0.81 pp |
| Return on Assets | 0.35% | -0.31 pp |
| Member Growth | -3.14% | - |
| Loan-to-Share Ratio | 14.86% | -47.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.9M | - |
| 2025Q4 | $54.8M | 1,604 |
| 2024Q4 | $51.8M | 1,656 |
| 2023Q4 | $50.3M | 1,711 |
Credit Union Details
- Charter Number
- 2657
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Wilkes Barre
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Wyoming Valley Educational Empl, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Plains, PA |
| Back Mountain | Shavertown, PA |
| Wyoming Office | Wyoming, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Wyoming Valley Educational Empl nationwide neighbourhoods
Two NCUA Call Report peer sets for Wyoming Valley Educational Empl, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($54.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Wyoming Valley Educational Empl ranks #3,208 of 4,374 nationally on financial health and #195 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PENN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PENN
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Wyoming Valley Educational Empl financially healthy?
Wyoming Valley Educational Empl scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,208 of 4,374; by total assets it ranks #2,335 of 4,374 nationally (same basis as /rankings/largest); and #115 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.09% net worth ratio and a 0.16% delinquency rate.
How does Wyoming Valley Educational Empl compare to other credit unions?
76/100 is Wyoming Valley Educational Empl's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Wyoming Valley Educational Empl?
Wyoming Valley Educational Empl 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 Wyoming Valley Educational Empl directly for the exact boundaries and application steps.
Is my money safe at Wyoming Valley Educational Empl?
Federal credit unions like Wyoming Valley Educational Empl 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. Wyoming Valley Educational Empl's net worth ratio of 9.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wyoming Valley Educational Empl offer compared to banks?
Credit unions like Wyoming Valley Educational Empl 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 Wyoming Valley Educational Empl directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.