Federal credit union · ALTOONA, Pennsylvania · NCUA charter #11972
Your Choice
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $13.2M
- Total assets
- 1,440
- Members
- 12.4%
- Net-worth ratio
Your Choice scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.2M; members 1,440; net-worth ratio 12.40%; health rank #2,736 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,736 of 4,374 health · 2025Q4Your Choice · health 80/100 · $13.2M · 2025Q4
- DELQ 80/100
- ROA 12.4%
- ASSETS 0.33%
- MEM 0.62%
- RANK $13.2M
- PHOTO 1,440
- BOOK #2,736/4,374
- CHARTER Northeast Alabama Postal
- NCUSIF 11972
Call Report peers
Your Choice in the assets neighbourhood
Your Choice's $13.2M assets sit next to Northeast Alabama Postal ($13.1M) 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.
Your Choice 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
80 36th percentile higher than 36% 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
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.
Where Your Choice diverges from peer averages
- Delinquency Rate leads the peer set - 0.33% here, 1.15% peer average (-0.81 pp).
- Largest lag: Loan-to-Share Ratio at 26.57% vs peer 59.80% (-33.23 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Your Choice
- In Pennsylvania, health place is #155 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Your Choice is #199 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #191 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.
Your Choice Call Report trajectory
Your Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $13.2M (2025Q4) to $13.8M (2026Q1).
- Net-worth ratio shifted -0.32 pp (12.72% → 12.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.7 pts
- Loan-to-Share Ratio 8.3 pts
Call Report ratios for Your Choice
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.40% | -2.46 pp |
| Delinquency Rate | 0.33% | -0.81 pp |
| Return on Assets | 0.62% | -0.08 pp |
| Member Growth | -4.06% | - |
| Loan-to-Share Ratio | 26.57% | -33.23 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).
Call Report history - Your Choice
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.8M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Your Choice, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Altoona, PA |
| CompuSource | Amherst, NY |
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.
Your Choice nationwide neighbourhoods
Cross-state asset and health neighbours for Your Choice - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Your Choice ranks #2,736 of 4,374 nationally on financial health and #155 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Clairton Works is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Clairton Works
- 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 Your Choice financially healthy?
A 12.40% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,736 of 4,374; by total assets it ranks #3,401 of 4,374 nationally (same basis as /rankings/largest); and #199 of 275 within Pennsylvania. 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 12.40% 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.
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.