State credit union · ALTOONA, Pennsylvania · NCUA charter #60389
American Pride
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $22.8M
- Total assets
- 1,817
- Members
- 11.9%
- Net-worth ratio
American Pride - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60389. See our deposit-insurance coverage note.
American Pride - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)60
- Earnings (ROA)100
- Member growth39
- Liquidity (loan-to-share)61
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.90% | 30% |
| Delinquency Rate | 1.66% | 25% |
| Return on Assets | 1.39% | 15% |
| Member Growth | -1.73% | 15% |
| Loan-to-Share Ratio | 34.72% | 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 | $22.8M | 1,817 |
| 2024Q4 | $22.0M | 1,849 |
| 2023Q4 | $22.4M | 1,897 |
Credit Union Details
- Charter Number
- 60389
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- ALTOONA
- Data Quarter
- 2025Q4
What This Data Says About American Pride
American Pride is a state credit union headquartered in ALTOONA, Pennsylvania, serving 1,817 members with $22.8M in total assets and $6.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 75/100 (Very Good), anchored by a net worth ratio of 11.90% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60389 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 1.66% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 34.72% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.39% on net income of $316K 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 -1.73%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 American Pride financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, American Pride carries a financial health score of 75/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.90% net worth ratio and a 1.66% delinquency rate.
How does American Pride compare to other credit unions?
Five weighted metrics from NCUA filings produce American Pride's 75/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 American Pride?
Membership eligibility for American Pride depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact American Pride directly for current membership requirements and application steps.
Is my money safe at American Pride?
Federal credit unions like American Pride 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. American Pride's net worth ratio of 11.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does American Pride offer compared to banks?
Credit unions like American Pride 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 American Pride 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.