Federal credit union · Wilkes Barre, Pennsylvania · NCUA charter #2657
Wyoming Valley Educational Empl
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $54.8M
- Total assets
- 1,604
- Members
- 9.0%
- Net-worth ratio
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.
Wyoming Valley Educational Empl - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)91
- Asset quality (delinquency)100
- Earnings (ROA)85
- Member growth22
- Liquidity (loan-to-share)49
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.97% | 30% |
| Delinquency Rate | 0.16% | 25% |
| Return on Assets | 0.35% | 15% |
| Member Growth | -3.14% | 15% |
| Loan-to-Share Ratio | 14.86% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Wyoming Valley Educational Empl
The five-factor composite scores Wyoming Valley Educational Empl at 76/100 (Very Good), reflecting a net worth ratio of 8.97% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Wilkes Barre, Pennsylvania, reports 1,604 members, $54.8M in total assets, and $7.4M in outstanding loans as of Q4 2025 under charter #2657 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Deposits deployed into lending sit at a 14.86% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.16% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.35% on net income of $191K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.14%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.97% 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 8.97% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.