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
- CAMELS 86/100
- HEALTH 10.7%
- NW 0.00%
- DELQ 0.83%
- ROA $19.7M
- ASSETS 1,667
- MEM #1,825/4,374
- RANK WACO
- PHOTO 23753
Call Report peers
Altoona Area Employees in the assets neighbourhood
Altoona Area Employees's $19.7M assets sit next to WACO ($19.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Altoona Area Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23753 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Altoona Area Employees
Altoona Area Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $19.7M (2025Q4) to $20.1M (2026Q1).
- Net-worth ratio shifted +0.04 pp (10.70% → 10.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Altoona Area Employees - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($19.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Altoona Area Employees financially healthy?
Altoona Area Employees has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,825 of 4,374; by total assets it ranks #3,166 of 4,374 nationally (same basis as /rankings/largest); and #172 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.74% and delinquency rate of 0.00%.
How does Altoona Area Employees compare to other credit unions?
86/100 is Altoona Area Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Altoona Area Employees 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. Altoona Area Employees's net worth ratio of 10.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Altoona Area Employees offer compared to banks?
Credit unions like Altoona Area Employees 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 Altoona Area Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.