Federal credit union · WYOMING, Pennsylvania · NCUA charter #22723
Par-Del Emp.
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $7.2M
- Total assets
- 674
- Members
- 15.2%
- Net-worth ratio
Par-Del Emp. scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.2M; members 674; net-worth ratio 15.19%; health rank #3,863 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,863 of 4,374 health · 2025Q4Par-Del Emp. · health 65/100 · $7.2M · 2025Q4
Call Report peers
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Par-Del Emp. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Par-Del Emp. sits in 65-69 with 275 others.
65 11th percentile higher than 11% 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
Where Par-Del Emp. diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.21 pp (54.39% vs 63.60%).
Where Par-Del Emp. sits in Pennsylvania
- In Pennsylvania, health place is #240 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #226 of 275 inside Pennsylvania ($7.2M reported).
- Membership ranks #241 of 275 among Pennsylvania CUs with a reported count (674 members).
- One place up in Pennsylvania, NORTHWOOD (#239) ties at 65/100; one place down, Pittsburgh City Hall Employees (#241) ties at 65/100.
How Par-Del Emp.'s 5300 filing moved
Par-Del Emp.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $7.2M (2025Q4) to $7.3M (2026Q1).
- Net-worth ratio shifted -0.10 pp (15.29% → 15.19%).
This credit union's 15.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Par-Del Emp. gives up 35 points in total. Delinquency Rate costs the most, 14.8 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.2 pts
- Return on Assets 10.2 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 11.8 pts
Par-Del Emp. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.19% | -3.87 pp |
| Delinquency Rate | 2.36% | +0.55 pp |
| Return on Assets | 0.18% | -0.28 pp |
| Member Growth | -3.44% | - |
| Loan-to-Share Ratio | 54.39% | -9.21 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.3M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Par-Del Emp. runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | WYOMING, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Par-Del Emp. ranks #3,863 of 4,374 nationally on financial health and #240 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NORTHWOOD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NORTHWOOD
Frequently Asked Questions
Is Par-Del Emp. financially healthy?
Par-Del Emp. has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,863 of 4,374 nationally on health and #240 of 275 in Pennsylvania. Its net worth ratio is 15.19% and its delinquency rate 2.36%.
How does Par-Del Emp. compare to other credit unions?
Par-Del Emp. scores 65/100, higher than 11% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (54.39% vs 63.60%).
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.?
Par-Del Emp. 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. Par-Del Emp.'s net worth ratio of 15.19% 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.