Credit Union Safety Analysis
Is P C Federal Credit Union Safe? Port Allegany, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, P C Federal Credit Union has a net worth ratio of 13.29%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.15%, 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, P C Federal Credit Union's net worth ratio is 13.29%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.29%
- Delinquency ratio (60+ days) (Q2 2026): 4.15%
- Return on assets (Q2 2026): 0.42%
- Loan-to-share ratio (Q2 2026): 91.35%
P C Federal Credit Union (NCUA charter 10704, established 1955) reported $13.5M in assets and 1,407 members for Q2 2026 from Port Allegany, Pennsylvania. It ranks 195 of 269 credit unions in Pennsylvania by total assets. Total assets fell 1.9% from $13.8M on June 30, 2025. It has 20 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was up 0.73 percentage points from 12.56% on June 30, 2025. New vehicle loans are its largest loan category, $4.9M of $10.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.15% 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: 12.50% for Q1 2026; 12.56% 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: 2.88% for Q1 2026; 2.97% 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: 0.29% for Q1 2026; 0.82% 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: 84.17% for Q1 2026; 88.95% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $4.9M
- Other secured non-real estate loans and lines of credit: $2.4M
- Used vehicle loans: $2.0M
- Other unsecured loans and lines of credit: $629K
- 1- to 4-family residential and other consumer real estate loans: $394K
- Non-federally guaranteed student loans: $362K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $13.5M | 13.29% | 4.15% | 0.42% | 91.35% |
| March 31, 2026 | $14.3M | 12.50% | 2.88% | 0.29% | 84.17% |
| December 31, 2025 | $14.0M | 12.68% | 2.14% | 0.65% | 87.52% |
| September 30, 2025 | $14.0M | 12.52% | 2.12% | 0.53% | 88.70% |
| June 30, 2025 | $13.8M | 12.56% | 2.97% | 0.82% | 88.95% |
| March 31, 2025 | $13.4M | 12.71% | 3.11% | 0.91% | 91.43% |
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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.
P C Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10704) · FFIEC NIC profile (RSSD 863586)
Frequently asked questions
Is P C Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, P C Federal Credit Union's net worth ratio is 13.29%, above the 7% NCUA threshold for well capitalized.
Is P C Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. P C Federal Credit Union is a federally insured credit union (NCUA charter 10704): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are P C Federal Credit Union's key safety ratios?
For Q2 2026, P C Federal Credit Union reports net worth 13.29%, delinquency 4.15%, ROA 0.42%, loan-to-share 91.35%.
What happens to my money if P C Federal Credit Union fails?
For Q2 2026, P C Federal Credit Union held $11.6M in shares and deposits for 1,407 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.