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
Call Report peers
Locomotive & Control Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Locomotive & Control Employees sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Pennsylvania, Aliquippa Teachers (#184) ties at 77/100; one place down, Mount Carmel Baptist (#186) ties at 77/100.
Locomotive & Control Employees Call Report trajectory
Locomotive & Control Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $19.6M (2025Q4) to $19.9M (2026Q1).
- Net-worth ratio shifted -0.01 pp (26.15% → 26.14%).
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
Locomotive & Control Employees gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Locomotive & Control Employees financially healthy?
Locomotive & Control Employees has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,041 of 4,374 nationally on health and #185 of 275 in Pennsylvania. Its net worth ratio is 26.14% and its delinquency rate 0.67%.
How does Locomotive & Control Employees compare to other credit unions?
Locomotive & Control Employees scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (26.14% vs 14.86%). Its widest shortfall is loan-to-share ratio (33.75% vs 59.80%).
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?
Locomotive & Control Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.