Federal credit union · MCKEESPORT, Pennsylvania · NCUA charter #2003
Mckeesport Area Public School Emp
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $4.0M
- Total assets
- 540
- Members
- 24.5%
- Net-worth ratio
Mckeesport Area Public School Emp - Share Insurance Coverage
Charter #2003's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Mckeesport Area Public School Emp - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)95
- Earnings (ROA)100
- Member growth74
- Liquidity (loan-to-share)28
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 24.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 24.47% | 30% |
| Delinquency Rate | 0.62% | 25% |
| Return on Assets | 1.53% | 15% |
| Member Growth | 1.69% | 15% |
| Loan-to-Share Ratio | 116.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.0M | 540 |
| 2024Q4 | $4.1M | 531 |
| 2023Q4 | $3.8M | 517 |
Credit Union Details
- Charter Number
- 2003
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- MCKEESPORT
- Data Quarter
- 2025Q4
What This Data Says About Mckeesport Area Public School Emp
Headquartered in MCKEESPORT, Pennsylvania, Mckeesport Area Public School Emp is a federal credit union with 540 members, $4.0M in total assets, and $3.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 24.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #2003 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 116.91% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.62% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 1.53% on net income of $62K 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 1.69%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Single Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
- ASBESTOS WORKERS LOCAL 14Philadelphia, PA · $2M–$10M75Health
- KENNAFORDBedford, PA · $2M–$10M50Health
- NEW KENSINGTON MUNICIPALNew Kensington, PA · $2M–$10M91Health
- AVHnatrona heights, PA · $2M–$10M66Health
- SAINT NICHOLASWilkes Barre, PA · $2M–$10M83Health
Compare Mckeesport Area Public School Emp vs ASBESTOS WORKERS LOCAL 14
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 Mckeesport Area Public School Emp financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Mckeesport Area Public School Emp's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.47% net worth ratio and 0.62% delinquency rate are the key drivers.
How does Mckeesport Area Public School Emp compare to other credit unions?
PlainCU's health composite puts Mckeesport Area Public School Emp at 84/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Mckeesport Area Public School Emp?
Mckeesport Area Public School Emp is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Mckeesport Area Public School Emp directly to confirm eligibility.
Is my money safe at Mckeesport Area Public School Emp?
Federal credit unions like Mckeesport Area Public School Emp 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. Mckeesport Area Public School Emp's net worth ratio of 24.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mckeesport Area Public School Emp offer compared to banks?
Credit unions like Mckeesport Area Public School Emp 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 Mckeesport Area Public School Emp 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.