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
- ASSETS 95/100
- MEM 9.9%
- RANK 0.13%
- PHOTO 0.62%
- BOOK $44.6M
- CHARTER 3,759
- NCUSIF #416/4,374
- CAMELS Mcpherson Co-Op
- HEALTH 19429
Call Report peers
York Educational in the assets neighbourhood
York Educational's $44.6M assets sit next to Mcpherson Co-Op ($44.6M) 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.
York Educational 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
95 Top 10% higher than 90% 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
York Educational - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #19429 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
York Educational: 2025Q4 → 2026Q1
York Educational: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $44.6M (2025Q4) to $46.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (10.10% → 9.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
York Educational's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- 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 York Educational financially healthy?
York Educational scores 95/100 (Excellent) 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 #416 of 4,374; by total assets it ranks #2,500 of 4,374 nationally (same basis as /rankings/largest); and #129 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.91% net worth ratio and a 0.13% delinquency rate.
How does York Educational compare to other credit unions?
Five weighted metrics from NCUA filings produce York Educational's 95/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 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?
Federal credit unions like York Educational 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. York Educational's net worth ratio of 9.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does York Educational offer compared to banks?
Credit unions like York Educational 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 York Educational 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.