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123 Bethlehem Pike
Colmar, PA 18915-9778

North Penn Credit Union is headquartered in Colmar and is the 213st largest credit union in the state of Pennsylvania. It is also the 3,865th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 4 employees and 1,620 members. North Penn Credit Union's savings rates are 15% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership of North Penn Federal Credit Union is currently comprised of employees and their families from the list of separate employee groups as shown on our website. A "family member" is a person related to a credit union member by blood or marriage. - See Details

Reviews (1)

NPFCU: Excellence And Professionalism

I have been doing business with North Penn Federal Credit Union since 1989. I highly recommend this institution. It is a very safe and conservative CU. The staff is extremely knowledgeable, professional, and courteous. The service is excellent. This CU consistently scores high marks. Excellent. Five stars!


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. North Penn Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 North Penn Credit Union had $63,000 in non-current loans and owned real-estate with $1.52 million in equity and loan loss allowances on hand to cover it. This gives North Penn Credit Union a Texas Ratio of 4.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for North Penn Credit Union decreased slightly from 4.97% as of March 31, 2013 to 4.13% as of March 31, 2014, resulting in a positive change of 16.95%.This indicates that the balance sheet and financial strength for North Penn Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, North Penn Credit Union has increased its total deposits by $110,000, resulting in 0.77% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth North Penn Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. North Penn Credit Union has $15.92 million in assets with $1.52 million in equity, resulting in a capitalization level of 9.58%, which is above average.

Institution Statistics

NCUA #10720
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$15.92 million
Loans$3.68 million
Deposits$14.42 million
Equity Capital$1.50 million
Loan Loss Allowance$29,000
Unbacked Noncurrent Loans$36,000
Real Estate Owned$27,000
Historic Data - March 2013
Assets$15.82 million
Equity Capital$1.50 million
Loan Loss Allowance$46,000
Unbacked Noncurrent Loans$36,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.71%
Return on Assets-0.03%
Return on Equity-0.27%
Interest Income$94,000

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North Penn Credit Union Savings Account Rates

0.60%$50k-IRA Account
0.20%$100-Regular Shares Account
0.10%--Christmas Club Account
0.10%--Vacation Club Account

North Penn Credit Union Money Market Rates

0.40%$50k-Money Market Account

North Penn Credit Union Checking Account Rates

0.10%--Share Draft Checking Account

North Penn Credit Union CD Rates

0.50%$1k-12 Month Share Certificate
0.50%$1k-18 Month Share Certificate
0.50%$1k-24 Month Share Certificate
0.40%$1k-6 Month Share Certificate

North Penn Credit Union IRA Rates

0.50%$1k-12 Month IRA Certificate
0.50%$1k-18 Month IRA Certificate
0.50%$1k-24 Month IRA Certificate
0.40%$1k-6 Month IRA Certificate

North Penn Credit Union Locations
Branch Office123 Bethlehem PikeColmar, PA 18915-9778