Credit Union Safety Analysis
Is Your Choice Federal Credit Union Safe? Altoona, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Your Choice Federal Credit Union has a net worth ratio of 12.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.09%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Your Choice Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Your Choice Federal Credit Union's net worth ratio is 12.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.55%
- Delinquency ratio (60+ days) (Q2 2026): 0.09%
- Return on assets (Q2 2026): 0.99%
- Loan-to-share ratio (Q2 2026): 25.54%
Your Choice Federal Credit Union (NCUA charter 11972, established 1957) reported $14.0M in assets and 1,377 members for Q2 2026 from Altoona, Pennsylvania. It ranks 192 of 269 credit unions in Pennsylvania by total assets. Total assets grew 2.0% from $13.7M on June 30, 2025. It has 81 fewer members than on June 30, 2025 (-5.6%). Its net worth ratio was up 0.44 percentage points from 12.11% on June 30, 2025. New vehicle loans are its largest loan category, $1.3M of $3.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.09% 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: 12.40% for Q1 2026; 12.11% 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: 0.44% for Q1 2026; 2.10% 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: 1.29% for Q1 2026; 0.58% 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: 25.97% for Q1 2026; 24.60% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.3M
- Used vehicle loans: $602K
- 1- to 4-family residential and other consumer real estate loans: $533K
- Other unsecured loans and lines of credit: $444K
- Unsecured credit card loans: $238K
- Other secured non-real estate loans and lines of credit: $19K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $14.0M | 12.55% | 0.09% | 0.99% | 25.54% |
| March 31, 2026 | $13.8M | 12.40% | 0.44% | 1.29% | 25.97% |
| December 31, 2025 | $13.2M | 12.72% | 0.33% | -0.45% | 26.57% |
| September 30, 2025 | $13.1M | 12.90% | 1.73% | 0.92% | 25.46% |
| June 30, 2025 | $13.7M | 12.11% | 2.10% | 0.58% | 24.60% |
| March 31, 2025 | $13.9M | 11.78% | 0.53% | 0.68% | 24.77% |
Add this badge to your website
Free to use. It shows Your Choice Federal Credit Union’s latest filed figures and updates each quarter.
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.
Your Choice Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11972) · FFIEC NIC profile (RSSD 260288)
Frequently asked questions
Is Your Choice Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Your Choice Federal Credit Union's net worth ratio is 12.55%, above the 7% NCUA threshold for well capitalized.
Is Your Choice Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Your Choice Federal Credit Union is a federally insured credit union (NCUA charter 11972): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Your Choice Federal Credit Union's key safety ratios?
For Q2 2026, Your Choice Federal Credit Union reports net worth 12.55%, delinquency 0.09%, ROA 0.99%, loan-to-share 25.54%.
What happens to my money if Your Choice Federal Credit Union fails?
For Q2 2026, Your Choice Federal Credit Union held $12.2M in shares and deposits for 1,377 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.