Credit Union Safety Analysis
Is Par-Del Employees Federal Credit Union Safe? Wyoming, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Par-Del Employees Federal Credit Union has a net worth ratio of 15.65%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.70%, 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, Par-Del Employees Federal Credit Union's net worth ratio is 15.65%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.65%
- Delinquency ratio (60+ days) (Q2 2026): 1.70%
- Return on assets (Q2 2026): 0.92%
- Loan-to-share ratio (Q2 2026): 50.87%
Par-Del Employees Federal Credit Union (NCUA charter 22723, established 1977) reported $7.2M in assets and 668 members for Q2 2026 from Wyoming, Pennsylvania. It ranks 223 of 269 credit unions in Pennsylvania by total assets. Total assets fell 3.4% from $7.4M on June 30, 2025. It has 12 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 1.33 percentage points from 14.32% on June 30, 2025. New vehicle loans are its largest loan category, $1.6M of $3.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.70% 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: 15.19% for Q1 2026; 14.32% 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: 2.57% for Q1 2026; 0.61% 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: 0.68% for Q1 2026; 0.32% 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: 52.35% for Q1 2026; 56.96% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.6M
- Other unsecured loans and lines of credit: $896K
- Used vehicle loans: $391K
- Other secured non-real estate loans and lines of credit: $89K
- 1- to 4-family residential and other consumer real estate loans: $7K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.2M | 15.65% | 1.70% | 0.92% | 50.87% |
| March 31, 2026 | $7.3M | 15.19% | 2.57% | 0.68% | 52.35% |
| December 31, 2025 | $7.2M | 15.29% | 2.36% | 1.48% | 54.39% |
| September 30, 2025 | $7.2M | 15.06% | 0.62% | 2.49% | 56.37% |
| June 30, 2025 | $7.4M | 14.32% | 0.61% | 0.32% | 56.96% |
| March 31, 2025 | $7.4M | 14.18% | 1.56% | -0.17% | 54.31% |
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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.
Par-Del Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22723) · FFIEC NIC profile (RSSD 402387)
Frequently asked questions
Is Par-Del Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Par-Del Employees Federal Credit Union's net worth ratio is 15.65%, above the 7% NCUA threshold for well capitalized.
Is Par-Del Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Par-Del Employees Federal Credit Union is a federally insured credit union (NCUA charter 22723): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Par-Del Employees Federal Credit Union's key safety ratios?
For Q2 2026, Par-Del Employees Federal Credit Union reports net worth 15.65%, delinquency 1.70%, ROA 0.92%, loan-to-share 50.87%.
What happens to my money if Par-Del Employees Federal Credit Union fails?
For Q2 2026, Par-Del Employees Federal Credit Union held $6.0M in shares and deposits for 668 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.