Federal credit union · UNIONTOWN, Pennsylvania · NCUA charter #10690
Fayette Federal Employees
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $18.3M
- Total assets
- 1,247
- Members
- 14.6%
- Net-worth ratio
Fayette Federal Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10690, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Fayette Federal Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)58
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)76
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.61% | 30% |
| Delinquency Rate | 1.74% | 25% |
| Return on Assets | 1.04% | 15% |
| Member Growth | -0.72% | 15% |
| Loan-to-Share Ratio | 54.04% | 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 | $18.3M | 1,247 |
| 2024Q4 | $17.3M | 1,256 |
| 2023Q4 | $17.2M | 1,227 |
Credit Union Details
- Charter Number
- 10690
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- UNIONTOWN
- Data Quarter
- 2025Q4
What This Data Says About Fayette Federal Employees
Headquartered in UNIONTOWN, Pennsylvania, Fayette Federal Employees is a federal credit union with 1,247 members, $18.3M in total assets, and $8.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 79/100 (Very Good), driven in part by a net worth ratio of 14.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #10690 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 54.04% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.74% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 1.04% on net income of $189K 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 -0.72%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match 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 Fayette Federal Employees financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Fayette Federal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.61% net worth ratio and 1.74% delinquency rate are the key drivers.
How does Fayette Federal Employees compare to other credit unions?
On PlainCU's health composite, Fayette Federal Employees lands at 79/100, 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 Fayette Federal Employees?
Fayette Federal Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Fayette Federal Employees directly to confirm current membership steps.
Is my money safe at Fayette Federal Employees?
Federal credit unions like Fayette Federal 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. Fayette Federal Employees's net worth ratio of 14.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fayette Federal Employees offer compared to banks?
Credit unions like Fayette Federal 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 Fayette Federal 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.