Federal credit union · Lehigh Valley, Pennsylvania · NCUA charter #9607
APCI
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $686.9M
- Total assets
- 17,461
- Members
- 8.8%
- Net-worth ratio
APCI scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $686.9M; members 17,461; net-worth ratio 8.83%; health rank #3,131 of 4,374; healthier than 28th of scored peers.
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NCUA 5300 Call Report Masthead
#3,131 of 4,374 health · 2025Q4APCI · health 77/100 · $686.9M · 2025Q4
Call Report peers
APCI in the assets neighbourhood
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APCI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); APCI sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
APCI: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.75 pp (0.12% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -37.83 pp (46.07% vs 83.90%).
APCI: in-state Call Report ranks
- Pennsylvania health ordinal: #193 of 275.
- By total assets, APCI is #23 of 275 in Pennsylvania.
- Membership ranks #39 of 275 among Pennsylvania CUs with a reported count (17,461 members).
- One place up in Pennsylvania, VISIONARY (#192) ties at 77/100; one place down, Ppg & Associates (#194) scores 76/100, 1 point lower.
Quarter path for APCI
APCI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $686.9M (2025Q4) to $689.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.73% → 8.83%).
This credit union's 8.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
APCI gives up 23 points in total. Return on Assets costs the most, 8 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 10.4 pts
APCI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.83% | -2.35 pp |
| Delinquency Rate | 0.12% | -0.75 pp |
| Return on Assets | 0.06% | -0.45 pp |
| Member Growth | -0.82% | - |
| Loan-to-Share Ratio | 46.07% | -37.83 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
APCI filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $689.3M | - |
| 2025Q4 | $686.9M | 17,461 |
| 2024Q4 | $670.3M | 17,606 |
| 2023Q4 | $668.1M | 17,543 |
Credit Union Details
- Charter Number
- 9607
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Lehigh Valley
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for APCI.
| Office | City |
|---|---|
| APCI Federal Credit Union (Main Office) | Allentown, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near APCI
Similar total assets
Similar health score
Using this data
- APCI ranks #3,131 of 4,374 nationally on financial health and #193 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ARMCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ARMCO
Frequently Asked Questions
Is APCI financially healthy?
On its 2025Q4 NCUA 5300 filing, APCI scores 77/100 (Very Good), with a 8.83% net worth ratio and 0.12% of loans delinquent. It ranks #3,131 of 4,374 nationally on health and #193 of 275 in Pennsylvania.
How does APCI compare to other credit unions?
APCI scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.12% vs 0.87%). Its widest shortfall is loan-to-share ratio (46.07% vs 83.90%).
How can I join APCI?
APCI 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 APCI directly for the exact boundaries and application steps.
Is my money safe at APCI?
APCI 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. APCI's net worth ratio of 8.83% 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.