Federal credit union · PHILADELPHIA, Pennsylvania · NCUA charter #23556
Paper Converters Local 286/1034
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $1.8M
- Total assets
- 2,169
- Members
- 4.2%
- Net-worth ratio
Paper Converters Local 286/1034 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #23556, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Paper Converters Local 286/1034 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)35
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth45
- Liquidity (loan-to-share)83
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 4.16%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.16% | 30% |
| Delinquency Rate | 0.09% | 25% |
| Return on Assets | 1.07% | 15% |
| Member Growth | -1.23% | 15% |
| Loan-to-Share Ratio | 58.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.8M | 2,169 |
| 2024Q4 | $1.9M | 2,196 |
| 2023Q4 | $1.8M | 2,051 |
Credit Union Details
- Charter Number
- 23556
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- PHILADELPHIA
- Data Quarter
- 2025Q4
What This Data Says About Paper Converters Local 286/1034
Paper Converters Local 286/1034 is a federal credit union headquartered in PHILADELPHIA, Pennsylvania, serving 2,169 members with $1.8M in total assets and $853K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 70/100 (Very Good), anchored by a net worth ratio of 4.16% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #23556 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 58.61% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.09% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 1.07% on net income of $20K 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 -1.23%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match 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 Paper Converters Local 286/1034 financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Paper Converters Local 286/1034's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 4.16% net worth ratio and 0.09% delinquency rate are the key drivers.
How does Paper Converters Local 286/1034 compare to other credit unions?
PlainCU's health composite puts Paper Converters Local 286/1034 at 70/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Paper Converters Local 286/1034?
Paper Converters Local 286/1034 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Paper Converters Local 286/1034 directly for the current list of qualifying groups.
Is my money safe at Paper Converters Local 286/1034?
Federal credit unions like Paper Converters Local 286/1034 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. Paper Converters Local 286/1034's net worth ratio of 4.16% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Paper Converters Local 286/1034 offer compared to banks?
Credit unions like Paper Converters Local 286/1034 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 Paper Converters Local 286/1034 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.