Federal credit union · Meadville, Pennsylvania · NCUA charter #6187
The One
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $129.7M
- Total assets
- 12,090
- Members
- 8.8%
- Net-worth ratio
The One scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $129.7M; members 12,090; net-worth ratio 8.82%; health rank #1,727 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,727 of 4,374 health · 2025Q4The One · health 87/100 · $129.7M · 2025Q4
- ASSETS 87/100
- MEM 8.8%
- RANK 0.68%
- PHOTO 0.80%
- BOOK $129.7M
- CHARTER 12,090
- NCUSIF #1,727/4,374
- CAMELS Alaska Air Group
- HEALTH 6187
Call Report peers
The One in the assets neighbourhood
The One's $129.7M assets sit next to Alaska Air Group ($129.8M) 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.
The One 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
87 Top 40% higher than 60% 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
The One - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6187, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
The One: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 86.37% vs peer 72.20% (+14.17 pp).
- Largest lag: Net Worth Ratio at 8.82% vs peer 12.11% (-3.29 pp).
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 The One
- Pennsylvania health ordinal: #83 of 275.
- By total assets, The One is #67 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #59 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.
How The One's 5300 filing moved
The One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $129.7M (2025Q4) to $135.1M (2026Q1).
- Net-worth ratio shifted -0.10 pp (8.92% → 8.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 27.1 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for The One
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.82% | -3.29 pp |
| Delinquency Rate | 0.68% | -0.21 pp |
| Return on Assets | 0.80% | +0.18 pp |
| Member Growth | -1.33% | - |
| Loan-to-Share Ratio | 86.37% | +14.17 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $135.1M | - |
| 2025Q4 | $129.7M | 12,090 |
| 2024Q4 | $118.0M | 12,253 |
| 2023Q4 | $110.7M | 12,040 |
Credit Union Details
- Charter Number
- 6187
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Meadville
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for The One, spread across 4 cities.
| Office | City |
|---|---|
| The ONE FCU - Main (Main Office) | Meadville, PA |
| The ONE FCU - Cochranton | Cochranton, PA |
| The ONE FCU - Conneaut Lake | Conneaut Lake, PA |
| The ONE FCU - Park Ave | Meadville, PA |
| The ONE FCU - Sagertown | Saegertown, 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.
Cross-state Call Report peers for The One
Cross-state asset and health neighbours for The One - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($129.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- The One ranks #1,727 of 4,374 nationally on financial health and #83 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Heritage Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heritage Valley
- 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 The One financially healthy?
The One scores 87/100 (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 #1,727 of 4,374; by total assets it ranks #1,605 of 4,374 nationally (same basis as /rankings/largest); and #67 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.82% net worth ratio and a 0.68% delinquency rate.
How does The One compare to other credit unions?
The One scores 87/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 The One?
The One 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 The One directly for the exact boundaries and application steps.
Is my money safe at The One?
Federal credit unions like The One 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. The One's net worth ratio of 8.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The One offer compared to banks?
Credit unions like The One 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 The One 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.