Federal credit union · WYOMING, Pennsylvania · NCUA charter #22723
Par-del Emp.
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $7.2M
- Total assets
- 674
- Members
- 15.3%
- Net-worth ratio
Par-del Emp. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #22723: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Par-del Emp. - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)41
- Earnings (ROA)68
- Member growth19
- Liquidity (loan-to-share)77
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.29% | 30% |
| Delinquency Rate | 2.36% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -3.44% | 15% |
| Loan-to-Share Ratio | 54.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.2M | 674 |
| 2024Q4 | $7.5M | 698 |
| 2023Q4 | $8.0M | 693 |
Credit Union Details
- Charter Number
- 22723
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- WYOMING
- Data Quarter
- 2025Q4
What This Data Says About Par-del Emp.
The five-factor composite scores Par-del Emp. at 65/100 (Good), reflecting a net worth ratio of 15.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in WYOMING, Pennsylvania, reports 674 members, $7.2M in total assets, and $3.3M in outstanding loans as of Q4 2025 under charter #22723 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Two more numbers round out the picture: a 2.36% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 54.39% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.18% on net income of $13K 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 -3.44%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); 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 Par-del Emp. financially healthy?
Yes/no aside, the number is 65/100 (Good) - Par-del Emp.'s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.29% net worth ratio and 2.36% delinquency rate are the key drivers.
How does Par-del Emp. compare to other credit unions?
PlainCU's health composite puts Par-del Emp. at 65/100, compared to a peer group average for $2M–$10M 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 Par-del Emp.?
Par-del Emp. 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 Par-del Emp. directly for the exact boundaries and application steps.
Is my money safe at Par-del Emp.?
Federal credit unions like Par-del Emp. 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. Par-del Emp.'s net worth ratio of 15.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Par-del Emp. offer compared to banks?
Credit unions like Par-del Emp. 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 Par-del Emp. 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.