Federal credit union · ALTOONA, Pennsylvania · NCUA charter #11972
Your Choice
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $13.2M
- Total assets
- 1,440
- Members
- 11.7%
- Net-worth ratio
Your Choice - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11972: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Your Choice - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth11
- Liquidity (loan-to-share)56
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.69% 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 | 11.69% | 30% |
| Delinquency Rate | 0.33% | 25% |
| Return on Assets | 0.62% | 15% |
| Member Growth | -4.06% | 15% |
| Loan-to-Share Ratio | 26.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $13.2M | 1,440 |
| 2024Q4 | $13.0M | 1,501 |
| 2023Q4 | $13.1M | 1,567 |
Credit Union Details
- Charter Number
- 11972
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- ALTOONA
- Data Quarter
- 2025Q4
What This Data Says About Your Choice
1,440 members and $13.2M in total assets sit behind Your Choice, a federal credit union in ALTOONA, Pennsylvania, which posts a health score of 80/100 (Excellent) on the five-factor composite, with $3.0M in outstanding loans as of Q4 2025 and a net worth ratio of 11.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #11972 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.33% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 26.57% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.62% on net income of $82K 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 -4.06%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match 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 Your Choice financially healthy?
A 11.69% net worth ratio and a 0.33% delinquency rate feed into Your Choice's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Your Choice compare to other credit unions?
Five weighted metrics from NCUA filings produce Your Choice's 80/100 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 Your Choice?
Your Choice 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 Your Choice directly for the exact boundaries and application steps.
Is my money safe at Your Choice?
Federal credit unions like Your Choice 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. Your Choice's net worth ratio of 11.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Your Choice offer compared to banks?
Credit unions like Your Choice 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 Your Choice 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.