Federal credit union · SHAVERTOWN, Pennsylvania · NCUA charter #21458
Back Mountain
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $8.1M
- Total assets
- 675
- Members
- 23.5%
- Net-worth ratio
Back Mountain scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.1M; members 675; net-worth ratio 23.52%; health rank #3,802 of 4,374; healthier than 12th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,802 of 4,374 health · 2025Q4Back Mountain · health 66/100 · $8.1M · 2025Q4
- RANK 66/100
- PHOTO 23.5%
- BOOK 3.01%
- CHARTER 0.62%
- NCUSIF $8.1M
- CAMELS 675
- HEALTH #3,802/4,374
- NW n/a
- DELQ 21458
Call Report peers
Back Mountain carries $8.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Back Mountain 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
66 12th percentile higher than 12% 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
Back Mountain - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #21458, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Back Mountain diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +4.46 pp (23.52% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 53.86% here, 63.60% peer average (-9.74 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Back Mountain
- Pennsylvania health ordinal: #235 of 275.
- Pennsylvania assets place: #222 of 275.
- Membership ranks #240 of 275 among Pennsylvania CUs with a reported count (675 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.
How Back Mountain's 5300 filing moved
Back Mountain: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $8.1M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted +0.15 pp (23.37% → 23.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 23.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.2 pts
- Return on Assets 15.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 11.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.52% | +4.46 pp |
| Delinquency Rate | 3.01% | +1.20 pp |
| Return on Assets | 0.62% | +0.17 pp |
| Member Growth | -3.16% | - |
| Loan-to-Share Ratio | 53.86% | -9.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.1M | - |
| 2025Q4 | $8.1M | 675 |
| 2024Q4 | $8.6M | 697 |
| 2023Q4 | $9.2M | 710 |
Credit Union Details
- Charter Number
- 21458
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- SHAVERTOWN
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Back Mountain.
| Office | City |
|---|---|
| Back Mountain FCU (Main Office) | Shavertown, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Cross-state Call Report peers for Back Mountain
Back Mountain's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Back Mountain ranks #3,802 of 4,374 nationally on financial health and #235 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U.F.C.W. Local 23 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U.F.C.W. Local 23
- 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 Back Mountain financially healthy?
Yes/no aside, the number is 66/100 (Good) - Back Mountain'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 #3,802 of 4,374; by total assets it ranks #3,669 of 4,374 nationally (same basis as /rankings/largest); and #222 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 23.52% net worth ratio and 3.01% delinquency rate are the key drivers.
How does Back Mountain compare to other credit unions?
66/100 is Back Mountain's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Back Mountain?
Back Mountain 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 Back Mountain directly for the exact boundaries and application steps.
Is my money safe at Back Mountain?
Federal credit unions like Back Mountain 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. Back Mountain's net worth ratio of 23.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Back Mountain offer compared to banks?
Credit unions like Back Mountain 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 Back Mountain 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.