Federal credit union · MONTOURSVILLE, Pennsylvania · NCUA charter #18144
Montoursville Area
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $5.6M
- Total assets
- 684
- Members
- 14.3%
- Net-worth ratio
Montoursville Area scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 684; net-worth ratio 14.28%; health rank #2,568 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,568 of 4,374 health · 2025Q4Montoursville Area · health 81/100 · $5.6M · 2025Q4
- BOOK 81/100
- CHARTER 14.3%
- NCUSIF 0.47%
- CAMELS 1.84%
- HEALTH $5.6M
- NW 684
- DELQ #2,568/4,374
- ROA n/a
- ASSETS 18144
Call Report peers
Montoursville Area carries $5.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Montoursville Area 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
81 39th percentile higher than 39% 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
Montoursville Area - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #18144: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Montoursville Area
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +1.38 pp (1.84% vs 0.45%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.30 pp (37.30% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Montoursville Area in Pennsylvania
- Health composite ranks #139 of 275 among scored Pennsylvania credit unions.
- Assets rank #234 of 275 inside Pennsylvania ($5.6M reported).
- Member book place in Pennsylvania: #239 of 275.
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 Montoursville Area
Montoursville Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $5.6M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (14.30% → 14.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.4 pts
- Loan-to-Share Ratio 9.6 pts
Montoursville Area health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.28% | -4.78 pp |
| Delinquency Rate | 0.47% | -1.34 pp |
| Return on Assets | 1.84% | +1.38 pp |
| Member Growth | -4.20% | - |
| Loan-to-Share Ratio | 37.30% | -26.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Montoursville Area quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.6M | 684 |
| 2024Q4 | $5.3M | 714 |
| 2023Q4 | $5.8M | 714 |
Credit Union Details
- Charter Number
- 18144
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- MONTOURSVILLE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Montoursville Area.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Montoursville, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Montoursville Area, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Montoursville Area ranks #2,568 of 4,374 nationally on financial health and #139 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Iron Workers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Iron Workers
- 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 Montoursville Area financially healthy?
A 14.28% net worth ratio and a 0.47% delinquency rate feed into Montoursville Area's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,568 of 4,374; by total assets it ranks #3,833 of 4,374 nationally (same basis as /rankings/largest); and #234 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Montoursville Area compare to other credit unions?
81/100 is Montoursville Area's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Montoursville Area?
Montoursville Area 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 Montoursville Area directly for the exact boundaries and application steps.
Is my money safe at Montoursville Area?
Federal credit unions like Montoursville Area 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. Montoursville Area's net worth ratio of 14.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Montoursville Area offer compared to banks?
Credit unions like Montoursville Area 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 Montoursville Area 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.