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
Call Report peers
Your Choice in the assets neighbourhood
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Your Choice vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Your Choice sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Pennsylvania, Pennsylvania-American Water (#154) ties at 80/100; one place down, WEST-AIRCOMM (#156) ties at 80/100.
Your Choice Call Report trajectory
Your Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.2% from $13.2M (2025Q4) to $13.8M (2026Q1).
- Net-worth ratio shifted -0.32 pp (12.72% → 12.40%).
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
Your Choice gives up 20 points in total. Member Growth costs the most, 13.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Your Choice financially healthy?
On its 2025Q4 NCUA 5300 filing, Your Choice scores 80/100 (Excellent), with a 12.40% net worth ratio and 0.33% of loans delinquent. It ranks #2,736 of 4,374 nationally on health and #155 of 275 in Pennsylvania.
How does Your Choice compare to other credit unions?
Your Choice scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.33% vs 1.15%). Its widest shortfall is loan-to-share ratio (26.57% vs 59.80%).
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?
Your Choice is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.