Federal credit union · Scranton, Pennsylvania · NCUA charter #22174
Cmc-fcpi Employees
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $10.8M
- Total assets
- 1,447
- Members
- 11.5%
- Net-worth ratio
Cmc-fcpi Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22174 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Cmc-fcpi Employees - 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)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)80
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.45% | 30% |
| Delinquency Rate | 0.50% | 25% |
| Return on Assets | 1.04% | 15% |
| Member Growth | 18.12% | 15% |
| Loan-to-Share Ratio | 56.35% | 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 | $10.8M | 1,447 |
| 2024Q4 | $10.2M | 1,225 |
| 2023Q4 | $10.0M | 1,247 |
Credit Union Details
- Charter Number
- 22174
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Scranton
- Data Quarter
- 2025Q4
What This Data Says About Cmc-fcpi Employees
Charter #22174, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Cmc-fcpi Employees, a federal credit union in Scranton, Pennsylvania with 1,447 members, $10.8M in total assets, and $5.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 97/100 (Excellent), helped by a net worth ratio of 11.45% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.50% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 56.35% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.04% on net income of $111K 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 18.12%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
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 Cmc-fcpi Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Cmc-fcpi Employees carries a financial health score of 97/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.45% net worth ratio and a 0.50% delinquency rate.
How does Cmc-fcpi Employees compare to other credit unions?
On PlainCU's health composite, Cmc-fcpi Employees lands at 97/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Cmc-fcpi Employees?
Cmc-fcpi 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 Cmc-fcpi Employees directly for the exact boundaries and application steps.
Is my money safe at Cmc-fcpi Employees?
Federal credit unions like Cmc-fcpi 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. Cmc-fcpi Employees's net worth ratio of 11.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cmc-fcpi Employees offer compared to banks?
Credit unions like Cmc-fcpi 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 Cmc-fcpi Employees 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.