Federal credit union · Philadelphia, Pennsylvania · NCUA charter #16525
Mount Carmel Baptist
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $742K
- Total assets
- 102
- Members
- 23.1%
- Net-worth ratio
Mount Carmel Baptist scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $742K; members 102; net-worth ratio 23.08%; health rank #3,044 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,044 of 4,374 health · 2025Q4Mount Carmel Baptist · health 77/100 · $742K · 2025Q4
- ROA 77/100
- ASSETS 23.1%
- MEM 0.00%
- RANK 1.27%
- PHOTO $742K
- BOOK 102
- CHARTER #3,044/4,374
- NCUSIF n/a
- CAMELS 16525
Call Report peers
Mount Carmel Baptist carries $742K 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.
Mount Carmel Baptist 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
77 28th percentile higher than 28% 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
Mount Carmel Baptist - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16525, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Mount Carmel Baptist vs Under $2M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 4.48% (-4.48 pp).
- Loan-to-Share Ratio trails the peer set - 7.78% here, 52.70% peer average (-44.92 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Mount Carmel Baptist sits in Pennsylvania
- Pennsylvania health ordinal: #186 of 275.
- By total assets, Mount Carmel Baptist is #267 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #270 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.
Mount Carmel Baptist Call Report trajectory
Mount Carmel Baptist: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $742K (2025Q4) to $748K (2026Q1).
- Net-worth ratio shifted -0.13 pp (23.21% → 23.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
23.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.6 pts
- Loan-to-Share Ratio 6.4 pts
Mount Carmel Baptist vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.08% | +0.15 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 1.27% | +1.05 pp |
| Member Growth | -4.67% | - |
| Loan-to-Share Ratio | 7.78% | -44.92 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Mount Carmel Baptist
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $748K | - |
| 2025Q4 | $742K | 102 |
| 2024Q4 | $698K | 107 |
| 2023Q4 | $767K | 123 |
Credit Union Details
- Charter Number
- 16525
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- Philadelphia
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Mount Carmel Baptist, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Mt Carmel (Main Office) | Philadelphia, PA |
| FedComp Data Center | Fairfax, VA |
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Mount Carmel Baptist, 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 (77/100 here).
Using this data
- Mount Carmel Baptist ranks #3,044 of 4,374 nationally on financial health and #186 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Life is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Life
- 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 Mount Carmel Baptist financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Mount Carmel Baptist's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,044 of 4,374; by total assets it ranks #4,269 of 4,374 nationally (same basis as /rankings/largest); and #267 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 23.08% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Mount Carmel Baptist compare to other credit unions?
Mount Carmel Baptist scores 77/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 Mount Carmel Baptist?
Mount Carmel Baptist 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 Mount Carmel Baptist directly for the exact boundaries and application steps.
Is my money safe at Mount Carmel Baptist?
Federal credit unions like Mount Carmel Baptist 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. Mount Carmel Baptist's net worth ratio of 23.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mount Carmel Baptist offer compared to banks?
Credit unions like Mount Carmel Baptist 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 Mount Carmel Baptist 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.