Federal credit union · Fairview, Pennsylvania · NCUA charter #6277
Phb Employees
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $8.3M
- Total assets
- 1,105
- Members
- 19.8%
- Net-worth ratio
Phb Employees scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.3M; members 1,105; net-worth ratio 19.77%; health rank #2,383 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,383 of 4,374 health · 2025Q4Phb Employees · health 82/100 · $8.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Phb Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Phb Employees sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Phb Employees diverges from peer averages
- Delinquency Rate leads the peer set - 0.40% here, 1.81% peer average (-1.41 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -32.62 pp (30.98% vs 63.60%).
Phb Employees in Pennsylvania
- Health composite ranks #118 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #219 of 275.
- Member book place in Pennsylvania: #209 of 275.
- One place up in Pennsylvania, Firstenergy Choice (#117) ties at 82/100; one place down, Freedom United (#119) ties at 82/100.
Phb Employees: 2025Q4 → 2026Q1
Phb Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $8.3M (2025Q4) to $8.5M (2026Q1).
- Net-worth ratio shifted -0.27 pp (20.04% → 19.77%).
At 19.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Phb Employees gives up 18 points in total. Member Growth costs the most, 11.7 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 3.3 pts
- Loan-to-Share Ratio 8.7 pts
Phb Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.77% | +0.71 pp |
| Delinquency Rate | 0.40% | -1.41 pp |
| Return on Assets | 1.38% | +0.93 pp |
| Member Growth | -3.16% | - |
| Loan-to-Share Ratio | 30.98% | -32.62 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Phb Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.5M | - |
| 2025Q4 | $8.3M | 1,105 |
| 2024Q4 | $7.6M | 1,141 |
| 2023Q4 | $7.7M | 1,176 |
Credit Union Details
- Charter Number
- 6277
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Fairview
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Phb Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Fairview, 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.
Other-state peers near Phb Employees
Similar health score
Using this data
- Phb Employees ranks #2,383 of 4,374 nationally on financial health and #118 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Colfax Power Plant Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Colfax Power Plant Employees
Frequently Asked Questions
Is Phb Employees financially healthy?
Phb Employees has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,383 of 4,374 nationally on health and #118 of 275 in Pennsylvania. Its net worth ratio is 19.77% and its delinquency rate 0.40%.
How does Phb Employees compare to other credit unions?
Phb Employees scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.40% vs 1.81%). Its widest shortfall is loan-to-share ratio (30.98% vs 63.60%).
How can I join Phb Employees?
Phb Employees 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 Phb Employees directly for the exact boundaries and application steps.
Is my money safe at Phb Employees?
Phb Employees 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. Phb Employees's net worth ratio of 19.77% 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.