Federal credit union · PORT ALLEGANY, Pennsylvania · NCUA charter #10704
P C
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $14.0M
- Total assets
- 1,409
- Members
- 12.5%
- Net-worth ratio
P C scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.0M; members 1,409; net-worth ratio 12.50%; health rank #2,858 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,858 of 4,374 health · 2025Q4P C · health 79/100 · $14.0M · 2025Q4
Call Report peers
P C in the assets neighbourhood
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P C vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); P C sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
P C vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 87.52% here, 59.80% peer average (+27.72 pp).
- Net Worth Ratio trails the peer set - 12.50% here, 14.86% peer average (-2.36 pp).
Where P C sits in Pennsylvania
- In Pennsylvania, health place is #167 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #194 of 275.
- Membership ranks #192 of 275 among Pennsylvania CUs with a reported count (1,409 members).
- One place up in Pennsylvania, Bradford Area (#166) ties at 79/100; one place down, USX (#168) ties at 79/100.
P C: 2025Q4 → 2026Q1
P C: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $14.0M (2025Q4) to $14.3M (2026Q1).
- Net-worth ratio shifted -0.18 pp (12.68% → 12.50%).
At 12.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
P C gives up 21 points in total. Delinquency Rate costs the most, 13.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 14.9 pts
P C health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.50% | -2.36 pp |
| Delinquency Rate | 2.14% | +0.99 pp |
| Return on Assets | 0.84% | +0.13 pp |
| Member Growth | -0.84% | - |
| Loan-to-Share Ratio | 87.52% | +27.72 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - P C
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.3M | - |
| 2025Q4 | $14.0M | 1,409 |
| 2024Q4 | $13.2M | 1,421 |
| 2023Q4 | $13.1M | 1,436 |
Credit Union Details
- Charter Number
- 10704
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- PORT ALLEGANY
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for P C, spread across 2 cities.
| Office | City |
|---|---|
| P C Federal Credit Union (Main Office) | Port Allegany, PA |
| Disaster Recovery Site | Smethport, 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.
P C nationwide neighbourhoods
Using this data
- P C ranks #2,858 of 4,374 nationally on financial health and #167 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Scranton Downtown is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Scranton Downtown
Frequently Asked Questions
Is P C financially healthy?
On its 2025Q4 NCUA 5300 filing, P C scores 79/100 (Very Good), with a 12.50% net worth ratio and 2.14% of loans delinquent. It ranks #2,858 of 4,374 nationally on health and #167 of 275 in Pennsylvania.
How does P C compare to other credit unions?
P C scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (87.52% vs 59.80%). Its widest shortfall is net worth ratio (12.50% vs 14.86%).
How can I join P C?
P C 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 C directly for the exact boundaries and application steps.
Is my money safe at P C?
P C is a federal credit union; its shares are federally 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 C's net worth ratio of 12.50% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.