Federal credit union · East Stroudsbur, Pennsylvania · NCUA charter #21240
Pocono Medical Center
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $3.5M
- Total assets
- 903
- Members
- 12.6%
- Net-worth ratio
Pocono Medical Center - Share Insurance Coverage
Charter #21240's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Pocono Medical Center - 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)100
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)69
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.59% 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 | 12.59% | 30% |
| Delinquency Rate | 0.48% | 25% |
| Return on Assets | 0.86% | 15% |
| Member Growth | 0.78% | 15% |
| Loan-to-Share Ratio | 49.07% | 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 | $3.5M | 903 |
| 2024Q4 | $3.6M | 896 |
| 2023Q4 | $3.8M | 873 |
Credit Union Details
- Charter Number
- 21240
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- East Stroudsbur
- Data Quarter
- 2025Q4
What This Data Says About Pocono Medical Center
Pocono Medical Center is a federal credit union headquartered in East Stroudsbur, Pennsylvania, serving 903 members with $3.5M in total assets and $1.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 12.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #21240 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.48% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 49.07% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.86% on net income of $30K 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 0.78%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group 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 Pocono Medical Center financially healthy?
Pocono Medical Center scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.59% net worth ratio and a 0.48% delinquency rate.
How does Pocono Medical Center compare to other credit unions?
On PlainCU's health composite, Pocono Medical Center lands at 90/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Pocono Medical Center?
Pocono Medical Center 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 Pocono Medical Center directly for the exact boundaries and application steps.
Is my money safe at Pocono Medical Center?
Federal credit unions like Pocono Medical Center 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. Pocono Medical Center's net worth ratio of 12.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pocono Medical Center offer compared to banks?
Credit unions like Pocono Medical Center 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 Pocono Medical Center 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.