Credit Union Safety Analysis
Is Choice One Community Federal Credit Union Safe? Plains Township, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Choice One Community Federal Credit Union has a net worth ratio of 10.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.86%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Choice One Community Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Choice One Community Federal Credit Union's net worth ratio is 10.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.10%
- Delinquency ratio (60+ days) (Q2 2026): 2.86%
- Return on assets (Q2 2026): 0.52%
- Loan-to-share ratio (Q2 2026): 63.39%
Choice One Community Federal Credit Union (NCUA charter 4240, established 1941) reported $130.9M in assets and 10,625 members for Q2 2026 from Plains Township, Pennsylvania. It ranks 70 of 269 credit unions in Pennsylvania by total assets. Total assets grew 3.1% from $126.9M on June 30, 2025. It has 387 fewer members than on June 30, 2025 (-3.5%). Its net worth ratio was up 0.25 percentage points from 9.85% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $43.0M of $75.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.86% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.93% for Q1 2026; 9.85% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 2.54% for Q1 2026; 1.25% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.17% for Q1 2026; 0.93% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 63.69% for Q1 2026; 68.98% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $43.0M
- Used vehicle loans: $14.6M
- New vehicle loans: $8.3M
- Commercial loans: $3.3M
- Other unsecured loans and lines of credit: $3.0M
- Unsecured credit card loans: $2.8M
- Other secured non-real estate loans and lines of credit: $450K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $130.9M | 10.10% | 2.86% | 0.52% | 63.39% |
| March 31, 2026 | $131.4M | 9.93% | 2.54% | 0.17% | 63.69% |
| December 31, 2025 | $126.9M | 10.24% | 1.89% | 0.74% | 67.04% |
| September 30, 2025 | $125.0M | 10.20% | 1.69% | 0.82% | 69.85% |
| June 30, 2025 | $126.9M | 9.85% | 1.25% | 0.93% | 68.98% |
| March 31, 2025 | $128.4M | 9.50% | 1.47% | 0.92% | 68.45% |
Add this badge to your website
Free to use. It shows Choice One Community Federal Credit Union’s latest filed figures and updates each quarter.
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.
Choice One Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4240) · FFIEC NIC profile (RSSD 412274)
Frequently asked questions
Is Choice One Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Choice One Community Federal Credit Union's net worth ratio is 10.10%, above the 7% NCUA threshold for well capitalized.
Is Choice One Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Choice One Community Federal Credit Union is a federally insured credit union (NCUA charter 4240): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Choice One Community Federal Credit Union's key safety ratios?
For Q2 2026, Choice One Community Federal Credit Union reports net worth 10.10%, delinquency 2.86%, ROA 0.52%, loan-to-share 63.39%.
What happens to my money if Choice One Community Federal Credit Union fails?
For Q2 2026, Choice One Community Federal Credit Union held $119.1M in shares and deposits for 10,625 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.