Federal credit union · ALTOONA, Pennsylvania · NCUA charter #23753
Altoona Area Employees
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $19.7M
- Total assets
- 1,667
- Members
- 10.7%
- Net-worth ratio
Altoona Area Employees scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.7M; members 1,667; net-worth ratio 10.74%; health rank #1,825 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,825 of 4,374 health · 2025Q4Altoona Area Employees · health 86/100 · $19.7M · 2025Q4
Call Report peers
Altoona Area Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Altoona Area Employees vs every NCUA-scored credit union
Altoona Area Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Altoona Area Employees
- Delinquency Rate leads the peer set - 0.00% here, 1.15% peer average (-1.15 pp).
- Loan-to-Share Ratio trails the peer set - 27.92% here, 59.80% peer average (-31.88 pp).
Altoona Area Employees: in-state Call Report ranks
- Pennsylvania health ordinal: #87 of 275.
- Pennsylvania assets place: #172 of 275.
- Membership ranks #178 of 275 among Pennsylvania CUs with a reported count (1,667 members).
- One place up in Pennsylvania, PENLANCO (#86) ties at 86/100; one place down, Morrisons Cove 1st (#88) ties at 86/100.
Quarter path for Altoona Area Employees
Altoona Area Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $19.7M (2025Q4) to $20.1M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.70% → 10.74%).
10.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Altoona Area Employees gives up 14 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 8.2 pts
Altoona Area Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.74% | -4.12 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.83% | +0.12 pp |
| Member Growth | -0.66% | - |
| Loan-to-Share Ratio | 27.92% | -31.88 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Altoona Area Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.1M | - |
| 2025Q4 | $19.7M | 1,667 |
| 2024Q4 | $18.6M | 1,678 |
| 2023Q4 | $17.9M | 1,701 |
Credit Union Details
- Charter Number
- 23753
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- ALTOONA
- Data Quarter
- 2025Q4
Branch Location
Altoona Area Employees operates a single office in ALTOONA, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CREDIT UNION (Main Office) | ALTOONA, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
- LOCOMOTIVE & CONTROL EMPLOYEESErie, PA · $10M–$50M77Health
- PPG & ASSOCIATESCreighton, PA · $10M–$50M76Health
- TRI STATE RAILERIE, PA · $10M–$50M79Health
- ALLEG-KISKI POSTALNEW KENSINGTON, PA · $10M–$50M66Health
- SOUTHWEST COMMUNITIESCarnegie, PA · $10M–$50M81Health
Compare Altoona Area Employees vs LOCOMOTIVE & CONTROL EMPLOYEES
Nationwide credit unions with similar profiles
Using this data
- Altoona Area Employees ranks #1,825 of 4,374 nationally on financial health and #87 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Locomotive & Control Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Locomotive & Control Employees
Frequently Asked Questions
Is Altoona Area Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Altoona Area Employees scores 86/100 (Excellent), with a 10.74% net worth ratio and 0.00% of loans delinquent. It ranks #1,825 of 4,374 nationally on health and #87 of 275 in Pennsylvania.
How does Altoona Area Employees compare to other credit unions?
Altoona Area Employees scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (27.92% vs 59.80%).
How can I join Altoona Area Employees?
Altoona Area Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Altoona Area Employees directly for the exact boundaries and application steps.
Is my money safe at Altoona Area Employees?
Altoona Area Employees is a federal credit union; its shares are federally 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. Altoona Area Employees's net worth ratio of 10.74% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.