Federal credit union · York, Pennsylvania · NCUA charter #19429
York Educational
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $44.6M
- Total assets
- 3,759
- Members
- 9.9%
- Net-worth ratio
York Educational scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.6M; members 3,759; net-worth ratio 9.91%; health rank #416 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#416 of 4,374 health · 2025Q4York Educational · health 95/100 · $44.6M · 2025Q4
Call Report peers
York Educational in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
York Educational vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); York Educational 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
Where York Educational diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.01 pp (0.13% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 49.40% vs peer 59.80% (-10.40 pp).
Where York Educational sits in Pennsylvania
- Health composite ranks #21 of 275 among scored Pennsylvania credit unions.
- By total assets, York Educational is #129 of 275 in Pennsylvania.
- Membership ranks #122 of 275 among Pennsylvania CUs with a reported count (3,759 members).
- One place up in Pennsylvania, WIDGET (#20) ties at 95/100; one place down, Valley 1st Community (#22) scores 94/100, 1 point lower.
York Educational: 2025Q4 → 2026Q1
York Educational: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $44.6M (2025Q4) to $46.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (10.10% → 9.91%).
9.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
York Educational gives up 5 points in total. Loan-to-Share Ratio costs the most, 4.6 of its 15; Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.2 pts
York Educational health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.91% | -4.95 pp |
| Delinquency Rate | 0.13% | -1.01 pp |
| Return on Assets | 0.62% | -0.08 pp |
| Member Growth | 40.73% | - |
| Loan-to-Share Ratio | 49.40% | -10.40 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
York Educational quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.0M | - |
| 2025Q4 | $44.6M | 3,759 |
| 2024Q4 | $42.1M | 2,671 |
| 2023Q4 | $43.2M | 2,689 |
Credit Union Details
- Charter Number
- 19429
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- York
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, York Educational runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | York, PA |
| Red Lion Branch | Red Lion, PA |
| York Educational FCU | 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 York Educational
Similar total assets
Using this data
- York Educational ranks #416 of 4,374 nationally on financial health and #21 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Districts is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Districts
Frequently Asked Questions
Is York Educational financially healthy?
On its 2025Q4 NCUA 5300 filing, York Educational scores 95/100 (Excellent), with a 9.91% net worth ratio and 0.13% of loans delinquent. It ranks #416 of 4,374 nationally on health and #21 of 275 in Pennsylvania.
How does York Educational compare to other credit unions?
York Educational scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.13% vs 1.15%). Its widest shortfall is loan-to-share ratio (49.40% vs 59.80%).
How can I join York Educational?
York Educational 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 York Educational directly for the exact boundaries and application steps.
Is my money safe at York Educational?
York Educational 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. York Educational's net worth ratio of 9.91% 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.