Federal credit union · Scranton, Pennsylvania · NCUA charter #22174
Cmc-Fcpi Employees
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $10.8M
- Total assets
- 1,447
- Members
- 11.7%
- Net-worth ratio
Cmc-Fcpi Employees scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.8M; members 1,447; net-worth ratio 11.71%; health rank #188 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#188 of 4,374 health · 2025Q4Cmc-Fcpi Employees · health 97/100 · $10.8M · 2025Q4
- ASSETS 97/100
- MEM 11.7%
- RANK 0.50%
- PHOTO 1.04%
- BOOK $10.8M
- CHARTER 1,447
- NCUSIF #188/4,374
- CAMELS HEALTHPLUS
- HEALTH 22174
Call Report peers
Cmc-Fcpi Employees in the assets neighbourhood
Cmc-Fcpi Employees's $10.8M assets sit next to HEALTHPLUS ($10.8M) 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.
Cmc-Fcpi Employees 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
97 Top 5% higher than 95% 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
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: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.50% vs peer 1.15% (-0.64 pp).
- Largest lag: Loan-to-Share Ratio at 56.35% vs peer 59.80% (-3.45 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cmc-Fcpi Employees in Pennsylvania
- Health composite ranks #5 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #209 of 275.
- Pennsylvania membership ordinal: #190 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cmc-Fcpi Employees Call Report trajectory
Cmc-Fcpi Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $10.8M (2025Q4) to $10.7M (2026Q1).
- Net-worth ratio shifted +0.26 pp (11.45% → 11.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.0 pts
Call Report ratios for Cmc-Fcpi Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.71% | -3.15 pp |
| Delinquency Rate | 0.50% | -0.64 pp |
| Return on Assets | 1.04% | +0.33 pp |
| Member Growth | 18.12% | - |
| Loan-to-Share Ratio | 56.35% | -3.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Cmc-Fcpi Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Cmc-Fcpi Employees.
| Office | City |
|---|---|
| Main office (Main Office) | Scranton, 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.
Other-state peers near Cmc-Fcpi Employees
Cross-state asset and health neighbours for Cmc-Fcpi Employees - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Cmc-Fcpi Employees ranks #188 of 4,374 nationally on financial health and #5 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Allegheny Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Allegheny Valley
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #188 of 4,374; by total assets it ranks #3,525 of 4,374 nationally (same basis as /rankings/largest); and #209 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.71% 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 11.71% 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.
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.