Federal credit union · Erie, Pennsylvania · NCUA charter #1111
Locomotive & Control Employees
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $19.6M
- Total assets
- 924
- Members
- 26.1%
- Net-worth ratio
Locomotive & Control Employees scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.6M; members 924; net-worth ratio 26.14%; health rank #3,041 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,041 of 4,374 health · 2025Q4Locomotive & Control · health 77/100 · $19.6M · 2025Q4
- NCUSIF 77/100
- CAMELS 26.1%
- HEALTH 0.67%
- NW 1.98%
- DELQ $19.6M
- ROA 924
- ASSETS #3,041/4,374
- MEM Old Kentucky Home
- RANK 1111
Call Report peers
Locomotive & Control Employees in the assets neighbourhood
Locomotive & Control Employees's $19.6M assets sit next to Old Kentucky Home ($19.5M) 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.
Locomotive & Control 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
77 28th percentile higher than 28% 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
Locomotive & Control Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1111 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Locomotive & Control Employees diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +11.28 pp (26.14% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 33.75% here, 59.80% peer average (-26.05 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Locomotive & Control Employees in Pennsylvania
- Health composite ranks #185 of 275 among scored Pennsylvania credit unions.
- By total assets, Locomotive & Control Employees is #173 of 275 in Pennsylvania.
- Membership ranks #217 of 275 among Pennsylvania CUs with a reported count (924 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.
Locomotive & Control Employees Call Report trajectory
Locomotive & Control Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $19.6M (2025Q4) to $19.9M (2026Q1).
- Net-worth ratio shifted -0.01 pp (26.15% → 26.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 26.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.14% | +11.28 pp |
| Delinquency Rate | 0.67% | -0.48 pp |
| Return on Assets | 1.98% | +1.27 pp |
| Member Growth | -5.62% | - |
| Loan-to-Share Ratio | 33.75% | -26.05 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).
Locomotive & Control Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.9M | - |
| 2025Q4 | $19.6M | 924 |
| 2024Q4 | $19.2M | 979 |
| 2023Q4 | $18.8M | 1,028 |
Credit Union Details
- Charter Number
- 1111
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Erie
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Locomotive & Control Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Erie, 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.
- ALTOONA AREA EMPLOYEESALTOONA, PA · $10M–$50M86Health
- PPG & ASSOCIATESCreighton, PA · $10M–$50M76Health
- ALLEG-KISKI POSTALNEW KENSINGTON, PA · $10M–$50M66Health
- TRI STATE RAILERIE, PA · $10M–$50M79Health
- SOUTHWEST COMMUNITIESCarnegie, PA · $10M–$50M81Health
Compare Locomotive & Control Employees vs ALTOONA AREA EMPLOYEES
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Locomotive & Control Employees - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($19.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Locomotive & Control Employees ranks #3,041 of 4,374 nationally on financial health and #185 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Altoona Area Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Altoona Area Employees
- 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 Locomotive & Control Employees financially healthy?
A 26.14% net worth ratio and a 0.67% delinquency rate feed into Locomotive & Control Employees's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,041 of 4,374; by total assets it ranks #3,167 of 4,374 nationally (same basis as /rankings/largest); and #173 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Locomotive & Control Employees compare to other credit unions?
Locomotive & Control Employees scores 77/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Locomotive & Control Employees?
Locomotive & Control Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Locomotive & Control Employees directly for the current list of qualifying groups.
Is my money safe at Locomotive & Control Employees?
Federal credit unions like Locomotive & Control 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. Locomotive & Control Employees's net worth ratio of 26.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Locomotive & Control Employees offer compared to banks?
Credit unions like Locomotive & Control 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 Locomotive & Control 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.