Federal credit union · South Fork, Pennsylvania · NCUA charter #909
Prr South Fork
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $47.2M
- Total assets
- 2,480
- Members
- 20.4%
- Net-worth ratio
Prr South Fork scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.2M; members 2,480; net-worth ratio 20.41%; health rank #880 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#880 of 4,374 health · 2025Q4Prr South Fork · health 91/100 · $47.2M · 2025Q4
- ROA 91/100
- ASSETS 20.4%
- MEM 0.30%
- RANK 1.44%
- PHOTO $47.2M
- BOOK 2,480
- CHARTER #880/4,374
- NCUSIF HUNTINGTONIZED
- CAMELS 909
Call Report peers
Prr South Fork in the assets neighbourhood
Prr South Fork's $47.2M assets sit next to HUNTINGTONIZED ($47.2M) 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.
Prr South Fork 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
91 Top 23% higher than 77% 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
Prr South Fork - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #909. See our deposit-insurance coverage note.
Where Prr South Fork diverges from peer averages
- Net Worth Ratio leads the peer set - 20.41% here, 14.86% peer average (+5.55 pp).
- Largest lag: Loan-to-Share Ratio at 55.54% vs peer 59.80% (-4.26 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Prr South Fork in Pennsylvania
- In Pennsylvania, health place is #40 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #126 of 275.
- Pennsylvania membership ordinal: #151 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.
Prr South Fork Call Report trajectory
Prr South Fork: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $47.2M (2025Q4) to $49.1M (2026Q1).
- Net-worth ratio shifted -0.60 pp (21.01% → 20.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 20.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 12.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.41% | +5.55 pp |
| Delinquency Rate | 0.30% | -0.85 pp |
| Return on Assets | 1.44% | +0.73 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 55.54% | -4.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Prr South Fork quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.1M | - |
| 2025Q4 | $47.2M | 2,480 |
| 2024Q4 | $47.0M | 2,480 |
| 2023Q4 | $47.8M | 2,424 |
Credit Union Details
- Charter Number
- 909
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- South Fork
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Prr South Fork runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | South Fork, PA |
| Southmont Office | Johnstown, 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
Cross-state asset and health neighbours for Prr South Fork - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Prr South Fork ranks #880 of 4,374 nationally on financial health and #40 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vantage Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vantage Trust
- 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 Prr South Fork financially healthy?
Prr South Fork has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #880 of 4,374; by total assets it ranks #2,447 of 4,374 nationally (same basis as /rankings/largest); and #126 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.41% and delinquency rate of 0.30%.
How does Prr South Fork compare to other credit unions?
Five weighted metrics from NCUA filings produce Prr South Fork's 91/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Prr South Fork?
Prr South Fork 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 Prr South Fork directly for the exact boundaries and application steps.
Is my money safe at Prr South Fork?
Federal credit unions like Prr South Fork 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. Prr South Fork's net worth ratio of 20.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Prr South Fork offer compared to banks?
Credit unions like Prr South Fork 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 Prr South Fork 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.