Federal credit union · ROARING SPRING, Pennsylvania · NCUA charter #9681
Morrisons Cove 1st
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $57.7M
- Total assets
- 4,366
- Members
- 10.4%
- Net-worth ratio
Morrisons Cove 1st scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.7M; members 4,366; net-worth ratio 10.37%; health rank #1,835 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,835 of 4,374 health · 2025Q4Morrisons Cove 1st · health 86/100 · $57.7M · 2025Q4
- NW 86/100
- DELQ 10.4%
- ROA 0.56%
- ASSETS 0.92%
- MEM $57.7M
- RANK 4,366
- PHOTO #1,835/4,374
- BOOK Post Office Employees
- CHARTER 9681
Call Report peers
Morrisons Cove 1st in the assets neighbourhood
Morrisons Cove 1st's $57.7M assets sit next to Post Office Employees ($57.7M) 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.
Morrisons Cove 1st 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
86 Top 43% higher than 57% 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
Morrisons Cove 1st - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9681 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Morrisons Cove 1st diverges from peer averages
- Delinquency Rate leads the peer set - 0.56% here, 0.96% peer average (-0.40 pp).
- Loan-to-Share Ratio trails the peer set - 43.28% here, 62.60% peer average (-19.32 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Morrisons Cove 1st: in-state Call Report ranks
- In Pennsylvania, health place is #88 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Morrisons Cove 1st is #113 of 275 in Pennsylvania.
- Membership ranks #115 of 275 among Pennsylvania CUs with a reported count (4,366 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.
How Morrisons Cove 1st's 5300 filing moved
Morrisons Cove 1st: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.1% from $57.7M (2025Q4) to $61.8M (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.70% → 10.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 10.4 pts
Call Report ratios for Morrisons Cove 1st
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.37% | -3.25 pp |
| Delinquency Rate | 0.56% | -0.40 pp |
| Return on Assets | 0.92% | +0.26 pp |
| Member Growth | -1.53% | - |
| Loan-to-Share Ratio | 43.28% | -19.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $61.8M | - |
| 2025Q4 | $57.7M | 4,366 |
| 2024Q4 | $56.0M | 4,434 |
| 2023Q4 | $53.8M | 4,499 |
Credit Union Details
- Charter Number
- 9681
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- ROARING SPRING
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Morrisons Cove 1st.
| Office | City |
|---|---|
| Morrisons Cove 1st FCU (Main Office) | Roaring Spring, 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.
- PITTSBURGH CITY HALL EMPLOYEESPittsburgh, PA · $50M–$100M65Health
- PENNSTARHermitage, PA · $50M–$100M81Health
- MERHOJOHNSTOWN, PA · $50M–$100M88Health
- WYOMING VALLEY EDUCATIONAL EMPLWilkes Barre, PA · $50M–$100M76Health
- PENNPhiladelphia, PA · $50M–$100M68Health
Compare Morrisons Cove 1st vs PITTSBURGH CITY HALL EMPLOYEES
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Morrisons Cove 1st - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($57.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Morrisons Cove 1st ranks #1,835 of 4,374 nationally on financial health and #88 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pittsburgh City Hall Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pittsburgh City Hall 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 Morrisons Cove 1st financially healthy?
A 10.37% net worth ratio and a 0.56% delinquency rate feed into Morrisons Cove 1st's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,835 of 4,374; by total assets it ranks #2,290 of 4,374 nationally (same basis as /rankings/largest); and #113 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Morrisons Cove 1st compare to other credit unions?
Morrisons Cove 1st scores 86/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Morrisons Cove 1st?
Morrisons Cove 1st 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 Morrisons Cove 1st directly for the exact boundaries and application steps.
Is my money safe at Morrisons Cove 1st?
Federal credit unions like Morrisons Cove 1st 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. Morrisons Cove 1st's net worth ratio of 10.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Morrisons Cove 1st offer compared to banks?
Credit unions like Morrisons Cove 1st 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 Morrisons Cove 1st 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.