Federal credit union · UNIONTOWN, Pennsylvania · NCUA charter #10690
Fayette Federal Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $18.3M
- Total assets
- 1,247
- Members
- 14.2%
- Net-worth ratio
Fayette Federal Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.3M; members 1,247; net-worth ratio 14.18%; health rank #2,844 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,844 of 4,374 health · 2025Q4Fayette Federal Employees · health 79/100 · $18.3M · 2025Q4
- ROA 79/100
- ASSETS 14.2%
- MEM 1.74%
- RANK 1.04%
- PHOTO $18.3M
- BOOK 1,247
- CHARTER #2,844/4,374
- NCUSIF Santo Christo
- CAMELS 10690
Call Report peers
Fayette Federal Employees in the assets neighbourhood
Fayette Federal Employees's $18.3M assets sit next to Santo Christo ($18.3M) 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.
Fayette Federal 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
79 33rd percentile higher than 33% 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
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 vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.33 pp (1.04% vs 0.70%).
- Loan-to-Share Ratio trails the peer set - 54.04% here, 59.80% peer average (-5.76 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Fayette Federal Employees
- Pennsylvania health ordinal: #165 of 275.
- Assets rank #177 of 275 inside Pennsylvania ($18.3M reported).
- Membership ranks #204 of 275 among Pennsylvania CUs with a reported count (1,247 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 Fayette Federal Employees
Fayette Federal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.5% from $18.3M (2025Q4) to $19.4M (2026Q1).
- Net-worth ratio shifted -0.43 pp (14.61% → 14.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.5 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.18% | -0.68 pp |
| Delinquency Rate | 1.74% | +0.59 pp |
| Return on Assets | 1.04% | +0.33 pp |
| Member Growth | -0.72% | - |
| Loan-to-Share Ratio | 54.04% | -5.76 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.4M | - |
| 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
Branch Location
Fayette Federal Employees operates a single office in Uniontown, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fayette Federal EFCU (Main Office) | Uniontown, 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 Fayette Federal Employees
Two NCUA Call Report peer sets for Fayette Federal Employees, 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 ($18.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Fayette Federal Employees ranks #2,844 of 4,374 nationally on financial health and #165 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Stanwood Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Stanwood Area
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,844 of 4,374; by total assets it ranks #3,200 of 4,374 nationally (same basis as /rankings/largest); and #177 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.18% 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 14.18% 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.
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.