White Rose Credit Union York, Pennsylvania
White Rose Credit Union is a state-chartered credit union headquartered in York, PA, established in 1950 (NCUA charter 68296), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,481 members and total assets of $115.5M (down 0.8% from Q2 2025), the 79th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 8.91% at Q2 2026, in the well capitalized band.
Also written as White Rose CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68296
- Headquarters
- York, PA
- Established
- 1950
- Total assets, Q2 2026
- $115.5M
- Assets vs Q2 2025
- -0.8%
- Members, Q2 2026
- 10,481
- Net worth ratio, Q2 2026
- 8.91%
- Latest call report
- Q2 2026, NCUA 5300 · White Rose Credit Union call report
- Asset rank in state
- 79th of 269 in Pennsylvania
- Routing number
- 231387356
- Branches
- 6
It has 644 fewer members than on June 30, 2025 (-5.8%). Its net worth ratio was up 0.56 percentage points from 8.35% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $23.0M of $55.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.35% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 8.91% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into White Rose Credit Union
Local 229 Ibew Federal Credit Union (2020) · H D York Federal Credit Union (2014)
Frequently asked about White Rose Credit Union
How big is White Rose Credit Union?
At Q2 2026 it reported total assets of $115.5M and 10,481 members.
Where is White Rose Credit Union headquartered?
It is headquartered in York, PA, United States.
When was White Rose Credit Union founded?
It was established in 1950, per NCUA records.
Is White Rose Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68296): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates White Rose Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is White Rose Credit Union well capitalized?
Its net worth ratio was 8.91% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is White Rose Credit Union's delinquency ratio?
Its delinquency ratio was 0.35% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is White Rose Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 53.26% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- York, PA 17402
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 68296
- RSSD ID
- 983082
- Members
- 10,481
- Potential members
- 545,162
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 8.91% | 11.43% | 12th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.74% | 0.81% | 46th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.30% | 7.02% | 61st above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.26% | 3.70% | 81st top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 83.91% | 76.55% | 24th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.58% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.35% | 0.68% | 78th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.85% | 4.92% | 45th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 53.26% | 75.66% | 14th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$115.5M total assets against $116.3M; $104.3M total shares and deposits against $105.7M; $55.6M total loans against $65.4M.
$10.3M net worth against $9.7M.
8.91% net worth ratio against 8.35%.
53.26% loan-to-share ratio against 61.82%.
0.35% delinquency ratio against 0.53%.
0.74% return on assets against 0.47%; 8.30% return on equity against 5.62%.
4.26% net interest margin against 4.10%.
10,481 members against 11,125.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.91% | 0.74% | 0.35% | 53.26% |
| March 31, 2026 | 8.66% | 0.27% | 0.52% | 54.60% |
| December 31, 2025 | 8.68% | 0.87% | 0.57% | 58.87% |
| September 30, 2025 | 8.51% | 0.20% | 0.48% | 61.20% |
| June 30, 2025 | 8.35% | 0.47% | 0.53% | 61.82% |
| March 31, 2025 | 8.08% | 0.48% | 0.21% | 63.11% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.