Federal credit union · DU BOIS, Pennsylvania · NCUA charter #19655
Priority First
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $171.3M
- Total assets
- 16,803
- Members
- 12.3%
- Net-worth ratio
Priority First scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $171.3M; members 16,803; net-worth ratio 12.25%; health rank #255 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#255 of 4,374 health · 2025Q4Priority First · health 96/100 · $171.3M · 2025Q4
- CHARTER 96/100
- NCUSIF 12.3%
- CAMELS 0.71%
- HEALTH 1.74%
- NW $171.3M
- DELQ 16,803
- ROA #255/4,374
- ASSETS Associated Healthcare
- MEM 19655
Priority First in the assets neighbourhood
Priority First's $171.3M assets sit next to Associated Healthcare ($171.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Priority First vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% 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
Priority First - Share Insurance Coverage
Charter #19655'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.
Where Priority First diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +1.11 pp (1.74% vs 0.62%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Priority First
- In Pennsylvania, health place is #9 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #55 of 275.
- Member book place in Pennsylvania: #43 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Priority First: 2025Q4 → 2026Q1
Priority First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.7% from $171.3M (2025Q4) to $179.4M (2026Q1).
- Net-worth ratio shifted -0.18 pp (12.43% → 12.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 14.9 pts
Priority First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.25% | +0.14 pp |
| Delinquency Rate | 0.71% | -0.19 pp |
| Return on Assets | 1.74% | +1.11 pp |
| Member Growth | 3.51% | - |
| Loan-to-Share Ratio | 72.54% | +0.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Priority First filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $179.4M | - |
| 2025Q4 | $171.3M | 16,803 |
| 2024Q4 | $154.6M | 16,233 |
| 2023Q4 | $133.3M | 13,386 |
Credit Union Details
- Charter Number
- 19655
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- DU BOIS
- Data Quarter
- 2025Q4
Branch Locations (7)
Priority First operates 7 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| DuBois (Main Office) | Du Bois, PA |
| Brockway Office | Brockway, PA |
| Brookville Office | Brookville, PA |
| Clearfield Office | Clearfield, PA |
| Indiana Office | Indiana, PA |
| Knox Office | Knox, PA |
| Punxsutawney Office | Punxsutawney, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Priority First
Cross-state asset and health neighbours for Priority First - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($171.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Priority First ranks #255 of 4,374 nationally on financial health and #9 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ufcw Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ufcw Community
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Priority First financially healthy?
Priority First scores 96/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #255 of 4,374; by total assets it ranks #1,399 of 4,374 nationally (same basis as /rankings/largest); and #55 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.25% net worth ratio and a 0.71% delinquency rate.
How does Priority First compare to other credit unions?
PlainCU's health composite puts Priority First at 96/100, compared to a peer group average for $100M–$500M 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 Priority First?
Priority First 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 Priority First directly for the exact boundaries and application steps.
Is my money safe at Priority First?
Federal credit unions like Priority First 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. Priority First's net worth ratio of 12.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Priority First offer compared to banks?
Credit unions like Priority First 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 Priority First directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.