Federal credit union · Danville, Pennsylvania · NCUA charter #24929
MC
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $243.5M
- Total assets
- 13,704
- Members
- 11.9%
- Net-worth ratio
MC scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $243.5M; members 13,704; net-worth ratio 11.92%; health rank #2,441 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,441 of 4,374 health · 2025Q4MC · health 82/100 · $243.5M · 2025Q4
Call Report peers
MC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MC sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
MC: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +6.07 pp (78.27% vs 72.20%).
- Delinquency Rate trails the peer set - 2.45% here, 0.89% peer average (+1.56 pp).
MC in Pennsylvania
- Pennsylvania health ordinal: #125 of 275.
- Pennsylvania assets place: #44 of 275.
- Member book place in Pennsylvania: #54 of 275.
- One place up in Pennsylvania, CORRY (#124) ties at 82/100; one place down, PAGODA (#126) ties at 82/100.
MC: 2025Q4 → 2026Q1
MC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $243.5M (2025Q4) to $249.7M (2026Q1).
- Net-worth ratio shifted +0.09 pp (11.83% → 11.92%).
This credit union's 11.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
MC gives up 18 points in total. Delinquency Rate costs the most, 15.3 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.92% | -0.19 pp |
| Delinquency Rate | 2.45% | +1.56 pp |
| Return on Assets | 1.28% | +0.66 pp |
| Member Growth | 2.49% | - |
| Loan-to-Share Ratio | 78.27% | +6.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MC quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $249.7M | - |
| 2025Q4 | $243.5M | 13,704 |
| 2024Q4 | $233.6M | 13,371 |
| 2023Q4 | $213.6M | 13,331 |
Credit Union Details
- Charter Number
- 24929
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Danville
- Data Quarter
- 2025Q4
Branch Locations (5)
MC operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Danville (Main Office) | Danville, PA |
| Bloomsburg | Bloomsburg, PA |
| WellSpan Evangelical Hospital | Lewisburg, PA |
| Saint Mary Street | Lewisburg, PA |
| Mount Carmel | Mount Carmel, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near MC
Using this data
- MC ranks #2,441 of 4,374 nationally on financial health and #125 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CACL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CACL
Frequently Asked Questions
Is MC financially healthy?
MC has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,441 of 4,374 nationally on health and #125 of 275 in Pennsylvania. Its net worth ratio is 11.92% and its delinquency rate 2.45%.
How does MC compare to other credit unions?
MC scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.27% vs 72.20%). Its widest shortfall is delinquency rate (2.45% vs 0.89%).
How can I join MC?
MC 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 MC directly for the exact boundaries and application steps.
Is my money safe at MC?
MC 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. MC's net worth ratio of 11.92% 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.