Pocono Medical Center Federal Credit Union East Stroudsburg, Pennsylvania
Pocono Medical Center Federal Credit Union is a federal credit union headquartered in East Stroudsburg, PA, established in 1973 (NCUA charter 21240), and it is regulated and insured by the NCUA. At Q2 2026 it reported 905 members and total assets of $3.4M (down 8.2% from Q2 2025), the 244th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 12.90% at Q2 2026, in the well capitalized band.
Also written as Pocono Medical Center FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21240
- Headquarters
- East Stroudsburg, PA
- Established
- 1973
- Total assets, Q2 2026
- $3.4M
- Assets vs Q2 2025
- -8.2%
- Members, Q2 2026
- 905
- Net worth ratio, Q2 2026
- 12.90%
- Latest call report
- Q2 2026, NCUA 5300 · Pocono Medical Center Federal Credit Union call report
- Asset rank in state
- 244th of 269 in Pennsylvania
- Branches
- 1
It has 4 more members than on June 30, 2025 (+0.4%). Its net worth ratio was up 1.27 percentage points from 11.63% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $552K of $1.4M 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. Its 12.90% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Pocono Medical Center Federal Credit Union
How big is Pocono Medical Center Federal Credit Union?
At Q2 2026 it reported total assets of $3.4M and 905 members.
Where is Pocono Medical Center Federal Credit Union headquartered?
It is headquartered in East Stroudsburg, PA, United States.
When was Pocono Medical Center Federal Credit Union founded?
It was established in 1973, per NCUA records.
Is Pocono Medical Center Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21240): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Pocono Medical Center Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Pocono Medical Center Federal Credit Union well capitalized?
Its net worth ratio was 12.90% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Pocono Medical Center Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.28% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Pocono Medical Center Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 46.49% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- East Stroudsburg, PA 18301
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1973
- NCUA Charter #
- 21240
- RSSD ID
- 229687
- Members
- 905
- Potential members
- 1,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.90% | 14.31% | 39th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.19% | 0.72% | 19th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -1.44% | 4.74% | 18th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.59% | 3.93% | 76th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 103.94% | 79.83% | 11th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.22% | 0.78% | 86th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.28% | 0.86% | 80th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.81% | 4.70% | 54th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 46.49% | 58.92% | 31st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.4M total assets against $3.7M; $3.0M total shares and deposits against $3.3M; $1.4M total loans against $1.6M.
$441K net worth against $433K.
12.90% net worth ratio against 11.63%.
46.49% loan-to-share ratio against 48.95%.
0.28% delinquency ratio.
-0.19% return on assets against 0.17%; -1.44% return on equity against 1.46%.
4.59% net interest margin against 4.92%.
905 members against 901.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.90% | -0.19% | 0.28% | 46.49% |
| March 31, 2026 | 12.72% | 0.32% | 0.30% | 46.73% |
| December 31, 2025 | 12.59% | 0.38% | 0.48% | 49.07% |
| September 30, 2025 | 12.56% | 0.40% | 0.30% | 54.29% |
| June 30, 2025 | 11.63% | 0.17% | — | 48.95% |
| March 31, 2025 | 11.69% | 0.56% | 0.27% | 53.67% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.