State overview · Q4 2025

Pennsylvania Credit Unions

All 275 federally-insured credit unions in Pennsylvania, ranked by financial health, from NCUA 5300 Call Reports.

275
Credit unions
4.9M
Members
$81.7B
Combined assets
79/100
Avg health
275 CUs · avg health 79/100

Pennsylvania has 275 federally insured credit unions averaging 79/100 health on NCUA 5300 Call Report aggregates. Combined assets $81.7B; 159 score Excellent (80+). State leader: Top Tier at 100/100.

  • Mean delinquency rank #30 of 52 (lower DQ better)
  • Mean ROA rank #13 of 52
  • Data vintage 2026-09-06

Pennsylvania vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

275 2nd of 54 higher than 52 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Pennsylvania's 275 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)159 CUsGood (60–79)92 CUsFair (40–59)23 CUsWeak (<40)1 CUs

Pennsylvania Call Report quality, high mean ROA cohort

Mean NCUA 5300 ratios across 275 federally insured credit unions in Pennsylvania, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.27%
National rank #30 of 52 · lower DQ better
Mean ROA
0.73%
National rank #13 of 52
Mean loan-to-share
54.3%
Mean net worth 15.3% · well-capitalized (≥7%) 98.9%
Largest CU share of state assets
12.2%
Dispersed book, largest charter holds under 25% of combined Pennsylvania CU assets · concentration rank #7 of 52 (lower share = more dispersed) · largest by assets on this board: Police & Fire

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Pennsylvania is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Pennsylvania vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Pennsylvania highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Pennsylvania vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%PA - 15.31%, 1.273%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Pennsylvania highlighted.

All Credit Unions in Pennsylvania

Credit Union Health
Top Tier Clarion 100
CHROME Canonsburg 99
I.B.E.W. - Local No. 5 Pittsburgh 99
ARMCO BUTLER 98
Cmc-Fcpi Employees Scranton 97
PATRIOT CHAMBERSBURG 97
Pennsylvania Central Harrisburg 97
CITYMARK Plains 96
CLEARVIEW Moon Township 96
DIAMOND Pottstown 96
DISCOVERY WYOMISSING 96
Priority First DU BOIS 96
A.B. Duncansville 95
Elliott Community JEANNETTE 95
INSPIRE Newtown 95
Norwin Teachers North Huntingdo 95
Palco Fcu MUNCY 95
Pittsburgh Firefighters' PITTSBURGH 95
Service 1st Danville 95
WIDGET Erie 95
York Educational York 95
CACL Pottsville 94
First Capital York 94
KINZUA Warren 94
SRU Slippery Rock 94
Valley 1st Community MONESSEN 94
Central Susquehanna Community DANVILLE 93
FINANTA Lancaster 93
First Choice New Castle 93
Greater Pittsburgh Pittsburgh 93
Tri County Area POTTSTOWN 93
Trumark Financial Fort Washington 93
Century Heritage PITTSBURGH 92
CITADEL EXTON 92
ERIE Erie 92
Members 1st Enola 92
Merck Sharp & Dohme CHALFONT 92
Tri Boro Munhall 92
New Directions Community Franklin 91
New Kensington Municipal New Kensington 91
Prr South Fork South Fork 91
SARCO BETHLEHEM 91
Steamfitters Phila WEST CHESTER 91
Allegheny Central Dunbar 90
Armstrong Associates Ford City 90
BHCU RIDLEY PARK 90
Dertown School Latrobe 90
EVERENCE Lancaster 90
Hidden River Pottsville 90
LANCO Lancaster 90
LEBANON LEBANON 90
P & G Mehoopany Employees Tunkhannock 90
Penn State BELLEFONTE 90
Pocono Medical Center East Stroudsbur 90
TITAN Pleasant Gap 90
B. Braun ALLENTOWN 89
Cheswick Atomic Division Harwick 89
OMEGA Wexford 89
PHILADELPHIA Philadelphia 89
Steel Strong Community Elizabeth 89
Ussco Johnstown JOHNSTOWN 89
West Branch Valley WILLIAMSPORT 89
American Heritage Philadelphia 88
Erie Firefighters Erie 88
Guthrie Community SAYRE 88
MERHO JOHNSTOWN 88
MOONLIGHT Worthington 88 †
Mountain Laurel SAINT MARYS 88
New Castle Bellco NEW CASTLE 88
New Cumberland NEW CUMBERLAND 88
Washington Area Teachers Washington 88
A & S Aliquippa 87
AMERICHOICE Mechanicsburg 87
Erie City Employees Erie 87
Franklin Regional Schools Jeannette 87
Greater Latrobe Schools Latrobe 87
NET Scranton 87
North East Welch North East 87
Penn-Trafford School Emp. Trafford 87
Police & Fire Philadelphia 87
The One Meadville 87
Usne Penitentiary Employees LEWISBURG 87
Westmoreland Water Greensburg 87
Altoona Area Employees ALTOONA 86
Erie Police Erie 86
Grove City Area GROVE CITY 86
Morrisons Cove 1st ROARING SPRING 86
PENLANCO Lancaster 86
A T & T Employees Pittsburgh Pittsburgh 85
Central Keystone Sunbury 85
Fayette County School Employees Uniontown 85
GALAXY Franklin 85
Susquehanna Valley Camp Hill 85
TIMBERLAND DUBOIS 85
ARC Altoona 84
ARDENT Phila 84
C-B-W Schools SIDMAN 84
Franklin Mint CHADDS FORD 84
Greater Pittsburgh Police Pittsburgh 84
HERSHEY Hummelstown 84
Holy Trinity Baptist Philadelphia 84
LONZA Williamsport 84
Mckeesport Area Public School Emp MCKEESPORT 84
Pace Resources YORK 84
RELIANCE King of Prussia 84
RIVERFRONT Wyomissing 84
SCA NEW CASTLE 84
Stanwood Area New Stanton 84
Allegheny Ludlum Brackenridge BRACKENRIDGE 83
First Commonwealth Lehigh Valley 83
Lancaster Red Rose Leola 83
Lehigh County Employees Allentown 83
Pinn Memorial Philadelphia 83
Saint Nicholas Wilkes Barre 83
U F C W Local 1776 PLYMOUTH MEETIN 83
CORRY Corry 82
Firstenergy Choice GREENSBURG 82
Franklin Johnstown JOHNSTOWN 82
FREEDOM WARMINSTER 82
Freedom United ROCHESTER 82
G.A.P. JOHNSTOWN 82
MC Danville 82
PAGODA READING 82
Paper Converters Local 286/1034 PHILADELPHIA 82
Penn East SCRANTON 82
Phb Employees Fairview 82
Upper Darby Belltelco UPPER DARBY 82
Utilities Employees READING 82
1st Ed Credit Union Chambersburg 81
ACCESS BRISTOL 81
ALLENTOWN Allentown 81
AMERICO ERIE 81
Bethlehem 1st Bethlehem 81
Blair County ALTOONA 81
Bradford Area School Employees Bradford 81
Clairton Works Clairton 81
Community Connect Titusville 81
Cross Valley Wilkes Barre 81
Hazleton School Employees HAZLETON 81
HIGHWAY Hughestown 81
Montoursville Area MONTOURSVILLE 81
MULTI-SCHOOLS Wampum 81
NEWELL Newell 81
Northampton Area School Dist. Emps Northampton 81
PENNSTAR Hermitage 81
Pennsylvania State Employees HARRISBURG 81
Southwest Communities Carnegie 81
Wyrope Williamsport S Williamsport 81
ALCOSE White Oak 80
BLACKHAWK Beaver Falls 80
Corner Post Wilkes Barre 80
First Area Lewistown 80
Jessop Community Washington 80
Pennsylvania-American Water Bethel Park 80
PHEPLE Greensburg 80
Ukrainian Selfreliance of West. PA. Carnegie 80
United Community West Mifflin 80
WEST-AIRCOMM Beaver 80
Your Choice ALTOONA 80
Bradford Area BRADFORD 79
Fayette Federal Employees UNIONTOWN 79
Fort Ligonier JEROME 79
Gnc Community New Castle 79
P C PORT ALLEGANY 79
PITTSBURGH Pittsburgh 79
R-S Bellco New Brighton 79
Reading Berks School Employees reading 79
Tri State Rail ERIE 79
USX Cranberry Twp 79
Va Pittsburgh Employees Pittsburgh 79
VASCO Latrobe 79
Belco Community Credit Union HARRISBURG 78
Glass Cap Connellsville 78
Johnstown School Employees JOHNSTOWN 78
LATROBE LATROBE 78
Lehigh Valley Educators Allentown 78
M.A.B.C. PHILADELPHIA 78
Mt Pleasant Area School Emp MOUNT PLEASANT 78
Saint Vincent Erie Erie 78
U.a.L.U. 354 YOUNGWOOD 78
WHEATLAND LANCASTER 78
Aliquippa Teachers Beaver 77
APCI Lehigh Valley 77
Armstrong Co. Federal Emp. KITTANNING 77
Berylco Employees' HAMBURG 77
GLATCO Spring Grove 77
INGERSOLL-RAND Sayre 77
LESCO Latrobe 77
Locomotive & Control Employees Erie 77
Mount Carmel Baptist Philadelphia 77
S I Philadelphia PHILADELPHIA 77
VISIONARY Bridgeville 77
Williamsport Teachers SOUTH WILLIAMSP 77
ARIZE State College 76
Ppg & Associates Creighton 76
TENDTO Erie 76
Wyoming Valley Educational Empl Wilkes Barre 76
Allegent Community Pittsburgh 75
American Pride ALTOONA 75
Asbestos Workers Local 14 Philadelphia 75
Paac Transit Division Pittsburgh 75
Scranton Downtown Scranton 75
U.F.C.W. Local 23 Canonsburg 75
B V M S N Walnutport 74
BENCHMARK West Chester 74
Frick Financial Uniontown 74
Healthcare First Credit Union JOHNSTOWN 74
Mon Valley Community ALLENPORT 74
North Penn COLMAR 74
Bucks County Employees Doylestown 73
Choice One Community Plains Township 73
Derry Area DERRY 73
New Alliance AMBRIDGE 73
Penntech Employees Johnsonburg 72
Ufcw Community Wyoming 72
White Rose York 72
Bessemer System Greenville 71
N.F.G. #2 WARREN 71
People First Allentown 71
Butler County Teachers Butler 70
Sun East Aston 70
West Penn P&p BEAVER 70
COMMONROOTS CRANBERRY TOWNS 69
Dow Bucks County Bristol 69
Affiliated Trades COLLEGEVILLE 68
Crayola LLC Employees Credit Union EASTON 68
I B E W Local 56 Erie 68
PENN Philadelphia 68
Superior Credit Union Collegeville 68
Wayland Temple Baptist PHILADELPHIA 68 †
Hill District Pittsburgh 67
Penn Hills Municipal Pittsburgh 67
Alleg-Kiski Postal NEW KENSINGTON 66
Allegheny Valley PITTSBURGH 66
AVH natrona heights 66
Back Mountain SHAVERTOWN 66
EQT Pittsburgh 66
Valley Pride Kingston 66
Iron Workers Pittsburgh 65
NORTHWOOD Philadelphia 65
Par-Del Emp. WYOMING 65
Pittsburgh City Hall Employees Pittsburgh 65
East End Food Cooperative PITTSBURGH 64
Heritage Valley York 64
Mercer County Community Hermitage 64
Earning Tree Wilkes Barre 63
North Districts GIBSONIA 62
Spirit Financial LEVITTOWN 62
WABELLCO Washington 62
FRIENDLY Aliquippa 60
PINPOINT MILTON 60
New Life Philadelphia 59
Service Station Dealers PHILA 59
3HILL Blue Bell 58
URE East Pittsburgh 58
Colfax Power Plant Employees SPRINGDALE 57
FORGE Upper Darby 57
HORIZON Williamsport 57
E R R L WYNDMOOR 56
Vantage Trust WILKES BARRE 56
BVA Belle Vernon 55
Honeywell Philadelphia Div Ft Washington 54
Transit Workers PHILADELPHIA 54
University of Pennsylvania Students Philadelphia 53
B I Sewickley 52
Team First LANCASTER 52
Acba Fed Credit Union (3226) Pittsburgh 51
Greensburg Teachers GREENSBURG 51
KENNAFORD Bedford 50
Western PA New Kensington 50
SMMH Pittsburgh 46
SPOJNIA Scranton 42
CAL-ED CALIFORNIA 41
Post Gazette CLINTON 40
Copper & Glass GLASSPORT 11

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

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.

What This Data Says About Credit Unions in Pennsylvania

Pennsylvania is home to 275 federally-insured credit unions collectively serving 4.9M members with $81.7B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 79/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Top Tier of Clarion currently leads the cohort with a health score of 100/100, while the full distribution spans 275 institutions ranked below.

The health distribution breaks into four bands: 159 credit unions score 80–100 (Excellent), 92 score 60–79 (Good), 23 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Pennsylvania's 275 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Pennsylvania: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($81.7B here).

Illinois $75.8B North Carolina $89.7B Wisconsin $73.4B Washington $94.0B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (275 here).

New York 272 CUs California 243 CUs Ohio 196 CUs Michigan 171 CUs

Frequently Asked Questions

How many credit unions are in Pennsylvania?

There are 275 federally-insured credit unions in Pennsylvania as of Q4 2025, with a combined 4.9M members and $81.7B in total assets. That places Pennsylvania at #9 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Pennsylvania ranks #42 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Pennsylvania?

Based on NCUA Q4 2025 data, Top Tier in Clarion ranks highest in Pennsylvania with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Pennsylvania's data

  • Top Tier in Clarion is the healthiest scored credit union in Pennsylvania at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Pennsylvania's credit unions rank #30 of 52 nationally on delinquency rate (mid-pack) and #13 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Pennsylvania ranks #42 of 54 by average health score and #9 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.