Penn South Cooperative (NCUA charter #15459) is based in New York, New York. Its Q2 2026 call report shows $8.1M in total assets and $6.7M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Penn South Cooperative scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 175th. Its strongest component is capital cushion (100/100; 15.08%), and its lowest is loan quality (21/100; 2.38%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (57 → 65), mostly because the earnings component improved by 64 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 77 |
| Q1 2025 | 57 |
| Q2 2025 | 57 |
| Q3 2025 | 62 |
| Q4 2025 | 64 |
| Q1 2026 | 73 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.41% |
| Q3 2024 | 14.28% |
| Q4 2024 | 14.35% |
| Q1 2025 | 14.20% |
| Q2 2025 | 14.46% |
| Q3 2025 | 14.53% |
| Q4 2025 | 14.08% |
| Q1 2026 | 14.69% |
| Q2 2026 | 15.08% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.38% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.06% |
| Q1 2025 | 1.60% |
| Q2 2025 | 1.83% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.69% |
| Q1 2026 | 1.37% |
| Q2 2026 | 2.38% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.71% |
| Q3 2024 | -0.30% |
| Q4 2024 | 0.04% |
| Q1 2025 | -0.59% |
| Q2 2025 | -0.37% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.35% |
| Q1 2026 | 1.14% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $8.1M | 15.08% | 2.38% | 1.24% | 105.8% |
| Q1 2026 | 73 | $8.1M | 14.69% | 1.37% | 1.14% | 102.5% |
| Q4 2025 | 64 | $8.3M | 14.08% | 1.69% | 0.35% | 93.5% |
| Q3 2025 | 62 | $7.9M | 14.53% | 1.72% | 0.20% | 99.2% |
| Q2 2025 | 57 | $7.8M | 14.46% | 1.83% | -0.37% | 97.3% |
| Q1 2025 | 57 | $7.9M | 14.20% | 1.60% | -0.59% | 96.1% |
| Q4 2024 | 77 | $7.9M | 14.35% | 0.06% | 0.04% | 93.6% |
| Q3 2024 | 71 | $7.8M | 14.28% | 0.29% | -0.30% | 99.5% |
| Q2 2024 | 70 | $7.7M | 14.41% | 0.38% | -0.71% | 93.1% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sister'S Hospital Employees Federal Credit UnionCredit union Buffalo, NY | 73 out of 100, Strong | $8.2M | 11.9% | 0.54% | vs |
| Linton Federal Credit UnionCredit union Tonawanda, NY | 86 out of 100, Very strong | $8.2M | 20.9% | 0.44% | vs |
| Mamta Federal Credit UnionCredit union Mamaroneck, NY | 74 out of 100, Strong | $8.3M | 17.2% | 1.18% | vs |
| Everest Federal Credit UnionCredit union Jackson Heights, NY | 35 out of 100, Low | $7.6M | 8.7% | 5.40% | vs |
| Division 726 Federal Credit UnionCredit union Staten Island, NY | 50 out of 100, Below average | $8.7M | 14.8% | 7.22% | vs |
| Generations United Federal Credit UnionCredit union New York, NY | 65 out of 100, Moderate | $7.0M | 44.4% | 0.83% | vs |
Deposit insurance
Is my money safe at Penn South Cooperative?
Yes. Penn South Cooperative is a federally insured credit union (NCUA charter #15459). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.0% of shares and deposits ($131K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 15.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Penn South Cooperative lists 1 office in 1 city. Most locations:
- New York, NY (1)
Identity & history
Profile
- Legal name
- Penn South Cooperative
- Type
- Federal credit union
- NCUA charter #
- 15459
- RSSD ID
- 580388
- Primary regulator
- NCUA
- Established
- 1963
- Headquarters
- 321 8th Ave Fl 1, New York, NY 10001
- Employees
- 13
Quick answers
Penn South Cooperative: common questions
Is Penn South Cooperative NCUA insured?
Yes. Penn South Cooperative is a federally insured credit union (NCUA charter #15459). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Penn South Cooperative's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Penn South Cooperative have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |