Credit Union Safety Analysis
Is Back Mountain Federal Credit Union Safe? Shavertown, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Back Mountain Federal Credit Union has a net worth ratio of 27.68%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 6.80%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Back Mountain Federal Credit Union's net worth ratio is 27.68%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 27.68%
- Delinquency ratio (60+ days) (Q2 2026): 6.80%
- Return on assets (Q2 2026): 0.51%
- Loan-to-share ratio (Q2 2026): 67.58%
Back Mountain Federal Credit Union (NCUA charter 21458, established 1973) reported $6.9M in assets and 650 members for Q2 2026 from Shavertown, Pennsylvania. It ranks 225 of 269 credit unions in Pennsylvania by total assets. Total assets fell 19.2% from $8.5M on June 30, 2025. It has 37 fewer members than on June 30, 2025 (-5.4%). Its net worth ratio was up 5.95 percentage points from 21.73% on June 30, 2025. Used vehicle loans are its largest loan category, $1.7M of $3.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 6.80% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.52% for Q1 2026; 21.73% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 3.07% for Q1 2026; 2.89% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.67% for Q1 2026; 0.28% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 54.28% for Q1 2026; 51.00% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.7M
- New vehicle loans: $567K
- Other unsecured loans and lines of credit: $492K
- 1- to 4-family residential and other consumer real estate loans: $346K
- Other secured non-real estate loans and lines of credit: $235K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.9M | 27.68% | 6.80% | 0.51% | 67.58% |
| March 31, 2026 | $8.1M | 23.52% | 3.07% | 0.67% | 54.28% |
| December 31, 2025 | $8.1M | 23.37% | 3.01% | 0.89% | 53.86% |
| September 30, 2025 | $8.1M | 23.03% | 1.86% | 0.69% | 55.37% |
| June 30, 2025 | $8.5M | 21.73% | 2.89% | 0.28% | 51.00% |
| March 31, 2025 | $8.6M | 21.56% | 2.91% | 0.14% | 51.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Back Mountain Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21458) · FFIEC NIC profile (RSSD 344786)
Frequently asked questions
Is Back Mountain Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Back Mountain Federal Credit Union's net worth ratio is 27.68%, above the 7% NCUA threshold for well capitalized.
Is Back Mountain Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Back Mountain Federal Credit Union is a federally insured credit union (NCUA charter 21458): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Back Mountain Federal Credit Union's key safety ratios?
For Q2 2026, Back Mountain Federal Credit Union reports net worth 27.68%, delinquency 6.80%, ROA 0.51%, loan-to-share 67.58%.
What happens to my money if Back Mountain Federal Credit Union fails?
For Q2 2026, Back Mountain Federal Credit Union held $5.0M in shares and deposits for 650 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.