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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,131 of 4,374 health · 2025Q4APCI · health 77/100 · $686.9M · 2025Q4
- CHARTER 77/100
- NCUSIF 8.8%
- CAMELS 0.12%
- HEALTH 0.06%
- NW $686.9M
- DELQ 17,461
- ROA #3,131/4,374
- ASSETS First Choice America Community
- MEM 9607
Call Report peers
APCI in the assets neighbourhood
APCI's $686.9M assets sit next to First Choice America Community ($687.5M) 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.
APCI 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
77 28th percentile higher than 28% 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
APCI - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9607, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 APCI
APCI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $686.9M (2025Q4) to $689.3M (2026Q1).
- Net-worth ratio shifted +0.10 pp (8.73% → 8.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for APCI, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($686.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 APCI financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - APCI's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,131 of 4,374; by total assets it ranks #626 of 4,374 nationally (same basis as /rankings/largest); and #23 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.83% net worth ratio and 0.12% delinquency rate are the key drivers.
How does APCI compare to other credit unions?
77/100 is APCI's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like APCI 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. APCI's net worth ratio of 8.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does APCI offer compared to banks?
Credit unions like APCI 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 APCI 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.