Federal credit union · NEW KENSINGTON, Pennsylvania · NCUA charter #8825
Alleg-kiski Postal
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $19.2M
- Total assets
- 2,470
- Members
- 17.0%
- Net-worth ratio
Alleg-kiski Postal - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8825, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Alleg-kiski Postal - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)37
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)75
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.01% | 30% |
| Delinquency Rate | 2.52% | 25% |
| Return on Assets | 1.28% | 15% |
| Member Growth | -5.51% | 15% |
| Loan-to-Share Ratio | 53.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $19.2M | 2,470 |
| 2024Q4 | $18.7M | 2,614 |
| 2023Q4 | $19.5M | 2,793 |
Credit Union Details
- Charter Number
- 8825
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- NEW KENSINGTON
- Data Quarter
- 2025Q4
What This Data Says About Alleg-kiski Postal
2,470 members and $19.2M in total assets sit behind Alleg-kiski Postal, a federal credit union in NEW KENSINGTON, Pennsylvania, which posts a health score of 66/100 (Good) on the five-factor composite, with $8.3M in outstanding loans as of Q4 2025 and a net worth ratio of 17.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #8825 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.52% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 53.40% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.28% on net income of $246K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.51%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Alleg-kiski Postal financially healthy?
A 17.01% net worth ratio and a 2.52% delinquency rate feed into Alleg-kiski Postal's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Alleg-kiski Postal compare to other credit unions?
Alleg-kiski Postal scores 66/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Alleg-kiski Postal?
Alleg-kiski Postal serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Alleg-kiski Postal directly for the current list of qualifying groups.
Is my money safe at Alleg-kiski Postal?
Federal credit unions like Alleg-kiski Postal are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Alleg-kiski Postal's net worth ratio of 17.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alleg-kiski Postal offer compared to banks?
Credit unions like Alleg-kiski Postal are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Alleg-kiski Postal directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.