Federal credit union · Tunkhannock, Pennsylvania · NCUA charter #20861
P & G Mehoopany Employees
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $186.6M
- Total assets
- 16,517
- Members
- 14.7%
- Net-worth ratio
P & G Mehoopany Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20861 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
P & G Mehoopany Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)68
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.72% | 30% |
| Delinquency Rate | 0.35% | 25% |
| Return on Assets | 1.52% | 15% |
| Member Growth | 0.92% | 15% |
| Loan-to-Share Ratio | 46.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $186.6M | 16,517 |
| 2024Q4 | $176.8M | 16,367 |
| 2023Q4 | $173.8M | 16,109 |
Credit Union Details
- Charter Number
- 20861
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Tunkhannock
- Data Quarter
- 2025Q4
What This Data Says About P & G Mehoopany Employees
Charter #20861, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's P & G Mehoopany Employees, a federal credit union in Tunkhannock, Pennsylvania with 16,517 members, $186.6M in total assets, and $74.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 90/100 (Excellent), helped by a net worth ratio of 14.72% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 46.96% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.35% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 1.52% on net income of $2.8M 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 0.92%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
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 P & G Mehoopany Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, P & G Mehoopany Employees carries a financial health score of 90/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.72% net worth ratio and a 0.35% delinquency rate.
How does P & G Mehoopany Employees compare to other credit unions?
P & G Mehoopany Employees scores 90/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 P & G Mehoopany Employees?
P & G Mehoopany Employees 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 P & G Mehoopany Employees directly for the exact boundaries and application steps.
Is my money safe at P & G Mehoopany Employees?
Federal credit unions like P & G Mehoopany Employees 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. P & G Mehoopany Employees's net worth ratio of 14.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does P & G Mehoopany Employees offer compared to banks?
Credit unions like P & G Mehoopany Employees 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 P & G Mehoopany Employees 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.