Applications / Mortgage Analytics / Lenders / Pennsylvania / Net Credit Union
Scranton, PA · Credit union · NCUA · $339 million assets · 248 loans in 2025
Net Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
248
loans originated, 2025
450
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Net Credit Union, a Pennsylvania credit union, lends mainly to fix up homes, and its loans fell 17% in 2025, to 248.
Home improvement made up 54.4% of its loans and other purposes 28.6%. Purchases and refinances made up the rest. Its typical loan, $85,000, was smaller than at about three in four similar lenders (credit unions making between half and twice as many loans), whose typical loan was $105,000.
Its originations fell 17%, to 248, while similar lenders grew 6% and the whole market 10%. It had grown from 125 loans in 2018 to 300 in 2024. The amount it lent still rose, to $27.0 million from $26.6 million, as its typical loan grew from $65,000 to $85,000.
Its typical rate, 7.99%, was higher than at more than nine in ten similar lenders, whose typical rate was 6.75%. Its home-improvement and other-purpose loans may account for that. Measured against similar loans, only 0.4% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9% at peers.
In Scranton--Wilkes-Barre, where it has lent since 1991, it ranks 26 of 395 lenders. Its share fell 0.3 points, to 1.1%, perhaps because it made fewer loans. Low- and moderate-income (LMI) borrowers took 32.0% of its loans, against 27.7% at peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Net Credit Union took 450 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 54.4% · Other 28.6% · Purchase 11.7% · Refinance 5.2%
Conventional 100.0% · of 248 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 248 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 219 |
| York-Hanover | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FV32ULL0DL8X39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 17772 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54792 | 1991–2017 |
Established 1 January 1941. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Net Credit Union's data.
Net Credit Union's data
$215
Net Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Net Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]