Credit Union Safety Analysis
Is Paper Converters Local 286/1034 Federal Credit Union Safe? Philadelphia, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Paper Converters Local 286/1034 Federal Credit Union has a net worth ratio of 7.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.28%, 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, Paper Converters Local 286/1034 Federal Credit Union's net worth ratio is 7.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.56%
- Delinquency ratio (60+ days) (Q2 2026): 0.28%
- Return on assets (Q2 2026): 0.66%
- Loan-to-share ratio (Q2 2026): 54.38%
Paper Converters Local 286/1034 Federal Credit Union (NCUA charter 23556, established 1979) reported $1.8M in assets and 2,149 members for Q2 2026 from Philadelphia, Pennsylvania. It ranks 255 of 269 credit unions in Pennsylvania by total assets. Total assets fell 3.8% from $1.9M on June 30, 2025. It has 25 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 0.83 percentage points from 6.73% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $794K of $804K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.28% 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: 7.06% for Q1 2026; 6.73% 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: 0.21% for Q1 2026; 0.12% 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: 0.64% for Q1 2026; 0.85% 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: 54.00% for Q1 2026; 50.37% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $794K
- Used vehicle loans: $10K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.8M | 7.56% | 0.28% | 0.66% | 54.38% |
| March 31, 2026 | $1.9M | 7.06% | 0.21% | 0.64% | 54.00% |
| December 31, 2025 | $1.8M | 7.15% | 0.09% | 0.44% | 58.61% |
| September 30, 2025 | $1.9M | 6.78% | 0.20% | 0.49% | 51.97% |
| June 30, 2025 | $1.9M | 6.73% | 0.12% | 0.85% | 50.37% |
| March 31, 2025 | $1.9M | 6.43% | 0.12% | 0.69% | 50.79% |
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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.
Paper Converters Local 286/1034 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23556) · FFIEC NIC profile (RSSD 501682)
Frequently asked questions
Is Paper Converters Local 286/1034 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Paper Converters Local 286/1034 Federal Credit Union's net worth ratio is 7.56%, above the 7% NCUA threshold for well capitalized.
Is Paper Converters Local 286/1034 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Paper Converters Local 286/1034 Federal Credit Union is a federally insured credit union (NCUA charter 23556): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Paper Converters Local 286/1034 Federal Credit Union's key safety ratios?
For Q2 2026, Paper Converters Local 286/1034 Federal Credit Union reports net worth 7.56%, delinquency 0.28%, ROA 0.66%, loan-to-share 54.38%.
What happens to my money if Paper Converters Local 286/1034 Federal Credit Union fails?
For Q2 2026, Paper Converters Local 286/1034 Federal Credit Union held $1.5M in shares and deposits for 2,149 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.