Credit Union Safety Analysis
Is Pinn Memorial Baptist Federal Credit Union Safe? Philadelphia, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Pinn Memorial Baptist Federal Credit Union has a net worth ratio of 18.14%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Pinn Memorial Baptist Federal Credit Union's net worth ratio is 18.14%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.14%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.54%
- Loan-to-share ratio (Q2 2026): 2.11%
Pinn Memorial Baptist Federal Credit Union (NCUA charter 16728, established 1965) reported $276K in assets and 90 members for Q2 2026 from Philadelphia, Pennsylvania. It ranks 264 of 269 credit unions in Pennsylvania by total assets. Total assets fell 5.6% from $293K on June 30, 2025. It has 1 more member than on June 30, 2025 (+1.1%). Its net worth ratio was up 1.99 percentage points from 16.15% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $5K of $5K in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 21.08% for Q1 2026; 16.15% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.17% for Q1 2026; 2.08% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 2.94% for Q1 2026; 1.69% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $5K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $276K | 18.14% | — | 1.54% | 2.11% |
| March 31, 2026 | $233K | 21.08% | — | 0.17% | 2.94% |
| December 31, 2025 | $285K | 17.16% | — | 0.03% | 2.59% |
| September 30, 2025 | $283K | 17.27% | — | 2.34% | 2.91% |
| June 30, 2025 | $293K | 16.15% | — | 2.08% | 1.69% |
| March 31, 2025 | $257K | 17.77% | — | 1.18% | 2.40% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Pinn Memorial Baptist Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16728) · FFIEC NIC profile (RSSD 651886)
Frequently asked questions
Is Pinn Memorial Baptist Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Pinn Memorial Baptist Federal Credit Union's net worth ratio is 18.14%, above the 7% NCUA threshold for well capitalized.
Is Pinn Memorial Baptist Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Pinn Memorial Baptist Federal Credit Union is a federally insured credit union (NCUA charter 16728): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Pinn Memorial Baptist Federal Credit Union's key safety ratios?
For Q2 2026, Pinn Memorial Baptist Federal Credit Union reports net worth 18.14%, delinquency not reported, ROA 1.54%, loan-to-share 2.11%.
What happens to my money if Pinn Memorial Baptist Federal Credit Union fails?
For Q2 2026, Pinn Memorial Baptist Federal Credit Union held $226K in shares and deposits for 90 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.