Federal credit union · MUNCY, Pennsylvania · NCUA charter #2959
Palco Fcu
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $105.9M
- Total assets
- 6,193
- Members
- 12.7%
- Net-worth ratio
Palco Fcu scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $105.9M; members 6,193; net-worth ratio 12.72%; health rank #374 of 4,374; healthier than 90th of scored peers.
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NCUA 5300 Call Report Masthead
#374 of 4,374 health · 2025Q4Palco Fcu · health 95/100 · $105.9M · 2025Q4
Call Report peers
Palco Fcu in the assets neighbourhood
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Palco Fcu vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Palco Fcu sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Palco Fcu diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.61 pp (12.72% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 49.90% here, 72.20% peer average (-22.30 pp).
Palco Fcu: in-state Call Report ranks
- In Pennsylvania, health place is #16 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Palco Fcu is #84 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #97 of 275.
- One place up in Pennsylvania, A.B. (#15) ties at 95/100; one place down, Service 1st (#17) ties at 95/100.
Palco Fcu Call Report trajectory
Palco Fcu: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $105.9M (2025Q4) to $109.5M (2026Q1).
- Net-worth ratio shifted -0.14 pp (12.86% → 12.72%).
This credit union's 12.72% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Palco Fcu gives up 5 points in total. Loan-to-Share Ratio costs the most, 4.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 10.9 pts
Call Report ratios for Palco Fcu
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.72% | +0.61 pp |
| Delinquency Rate | 0.36% | -0.53 pp |
| Return on Assets | 1.01% | +0.38 pp |
| Member Growth | 4.28% | - |
| Loan-to-Share Ratio | 49.90% | -22.30 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Palco Fcu filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $109.5M | - |
| 2025Q4 | $105.9M | 6,193 |
| 2024Q4 | $100.4M | 5,939 |
| 2023Q4 | $97.2M | 5,886 |
Credit Union Details
- Charter Number
- 2959
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- MUNCY
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Palco Fcu runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Palco Federal Credit Union (Main Office) | Muncy, PA |
| PALCO Federal Credit Union | Wellsboro, 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.
Other-state peers near Palco Fcu
Using this data
- Palco Fcu ranks #374 of 4,374 nationally on financial health and #16 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Valley 1st Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Valley 1st Community
Frequently Asked Questions
Is Palco Fcu financially healthy?
On its 2025Q4 NCUA 5300 filing, Palco Fcu scores 95/100 (Excellent), with a 12.72% net worth ratio and 0.36% of loans delinquent. It ranks #374 of 4,374 nationally on health and #16 of 275 in Pennsylvania.
How does Palco Fcu compare to other credit unions?
Palco Fcu scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.72% vs 12.11%). Its widest shortfall is loan-to-share ratio (49.90% vs 72.20%).
How can I join Palco Fcu?
Palco Fcu 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 Palco Fcu directly for the exact boundaries and application steps.
Is my money safe at Palco Fcu?
Palco Fcu 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. Palco Fcu's net worth ratio of 12.72% 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.