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
- PHOTO 79/100
- BOOK 12.5%
- CHARTER 2.14%
- NCUSIF 0.84%
- CAMELS $14.0M
- HEALTH 1,409
- NW #2,858/4,374
- DELQ River Town
- ROA 10704
Call Report peers
P C in the assets neighbourhood
P C's $14.0M assets sit next to River Town ($14.0M) 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.
P C 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
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 - Share Insurance Coverage
Charter #10704's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
P C: 2025Q4 → 2026Q1
P C: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $14.0M (2025Q4) to $14.3M (2026Q1).
- Net-worth ratio shifted -0.18 pp (12.68% → 12.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
P C's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 P C financially healthy?
P C scores 79/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,858 of 4,374; by total assets it ranks #3,361 of 4,374 nationally (same basis as /rankings/largest); and #194 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.50% net worth ratio and a 2.14% delinquency rate.
How does P C compare to other credit unions?
P C scores 79/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like P C 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 C's net worth ratio of 12.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does P C offer compared to banks?
Credit unions like P C 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 C 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.