PENN STATE
Federal • BELLEFONTE, Pennsylvania • Est. 1959
Quick Facts
- Charter Number
- #12729
- Type
- Federal
- Established
- 1959
- Headquarters
- BELLEFONTE, Pennsylvania 16823
- Address
- 123 AMBERLEIGH LN
- Branches
- 2
- ATMs
- 2
- Members
- 14,376
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
14,376 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | PENN STATE |
|---|---|
| Total Assets | $259.2M |
| Members | 14,376 |
| Loans Outstanding | $133.9M |
| Shares & Deposits | $227.5M |
| Net Worth | $34.9M |
| Net Worth Ratio | 13.88% |
| Loan-to-Share Ratio | 58.9% |
| Delinquency Rate | 0.25% |
| Net Income | +$3,617,733 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Penn State Federal Credit Union
Main Office123 Amberleigh Ln
Bellefonte, PA 16823
Penn State Federal Credit Union - North Atherton Office
1937 N Atherton St
State College, PA 16803-1523
Who Can Join PENN STATE?
Membership Type: Community
Membership eligibility for PENN STATE may vary. Contact the credit union directly to confirm qualification requirements.
Contact PENN STATE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Pennsylvania RankingsFrequently Asked Questions
Yes. PENN STATE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, PENN STATE has 14,376 members and a potential membership field of 90,000 people.
PENN STATE's net worth ratio is 13.88% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.9%, PENN STATE meets this threshold.
PENN STATE operates 2 branch locations and has access to 2 ATMs. The main office is located at 123 Amberleigh Ln, Bellefonte, PA 16823.
PENN STATE was established in 1959. It is a federal credit union chartered under charter number 12729. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or PENN STATE. All financial data is for informational purposes only.