Credit Union Safety Analysis
Is CMC-Fcpi Employees Federal Credit Union Safe? Scranton, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, CMC-Fcpi Employees Federal Credit Union has a net worth ratio of 11.72%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.44%, 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, CMC-Fcpi Employees Federal Credit Union's net worth ratio is 11.72%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.72%
- Delinquency ratio (60+ days) (Q2 2026): 0.44%
- Return on assets (Q2 2026): 0.57%
- Loan-to-share ratio (Q2 2026): 59.64%
CMC-Fcpi Employees Federal Credit Union (NCUA charter 22174, established 1975) reported $10.8M in assets and 1,152 members for Q2 2026 from Scranton, Pennsylvania. It ranks 207 of 269 credit unions in Pennsylvania by total assets. Total assets grew 0.3% from $10.8M on June 30, 2025. It has 272 fewer members than on June 30, 2025 (-19.1%). Its net worth ratio was up 0.34 percentage points from 11.38% on June 30, 2025. Unsecured credit card loans are its largest loan category, $1.9M of $5.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.44% is below 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: 11.71% for Q1 2026; 11.38% 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: 0.66% for Q1 2026; 1.25% 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: 0.72% for Q1 2026; 2.99% 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: 58.56% for Q1 2026; 59.31% for Q2 2025.
Loans by type, Q2 2026
- Unsecured credit card loans: $1.9M
- New vehicle loans: $1.7M
- Used vehicle loans: $1.1M
- Other unsecured loans and lines of credit: $724K
- Other secured non-real estate loans and lines of credit: $212K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.8M | 11.72% | 0.44% | 0.57% | 59.64% |
| March 31, 2026 | $10.7M | 11.71% | 0.66% | 0.72% | 58.56% |
| December 31, 2025 | $10.8M | 11.45% | 0.50% | 0.14% | 56.35% |
| September 30, 2025 | $10.7M | 11.78% | 0.95% | 0.17% | 58.85% |
| June 30, 2025 | $10.8M | 11.38% | 1.25% | 2.99% | 59.31% |
| March 31, 2025 | $10.5M | 11.15% | 0.89% | 1.23% | 56.31% |
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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.
CMC-Fcpi Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22174) · FFIEC NIC profile (RSSD 719188)
Frequently asked questions
Is CMC-Fcpi Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, CMC-Fcpi Employees Federal Credit Union's net worth ratio is 11.72%, above the 7% NCUA threshold for well capitalized.
Is CMC-Fcpi Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. CMC-Fcpi Employees Federal Credit Union is a federally insured credit union (NCUA charter 22174): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are CMC-Fcpi Employees Federal Credit Union's key safety ratios?
For Q2 2026, CMC-Fcpi Employees Federal Credit Union reports net worth 11.72%, delinquency 0.44%, ROA 0.57%, loan-to-share 59.64%.
What happens to my money if CMC-Fcpi Employees Federal Credit Union fails?
For Q2 2026, CMC-Fcpi Employees Federal Credit Union held $9.5M in shares and deposits for 1,152 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.