TellerScore

P C Federal Credit Union is a federal credit union headquartered in Port Allegany, Pennsylvania, in business for about 71 years. At the end of Q2 2026 it reported $13.5M in total assets and $11.6M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, P C Federal Credit Union scores 47/100, which we describe as below average. That is higher than only 7% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 258th. Its strongest component is capital cushion (83/100; 13.29%), and its lowest is loan quality (0/100; 4.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.29%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.15%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity69/100
Loans ÷ shares: 91.3% · 2.0% uninsured
Problem-loan coverage51/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 24.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (51 → 47), mostly because the earnings component weakened by 20 points.

TellerScore
475359Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202456
Q4 202454
Q1 202551
Q2 202551
Q3 202558
Q4 202559
Q1 202648
Q2 202647
Net worth ratio
7.00%10.14%13.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.98%
Q3 202412.22%
Q4 202412.70%
Q1 202512.71%
Q2 202512.56%
Q3 202512.52%
Q4 202512.68%
Q1 202612.50%
Q2 202613.29%
Delinquent loans (60+ days)
2.12%3.14%4.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.25%
Q3 20242.36%
Q4 20242.69%
Q1 20253.11%
Q2 20252.97%
Q3 20252.12%
Q4 20252.14%
Q1 20262.88%
Q2 20264.15%
Return on assets
0.29%0.63%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.97%
Q4 20240.89%
Q1 20250.91%
Q2 20250.85%
Q3 20250.74%
Q4 20250.72%
Q1 20260.29%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$13.5M13.29%4.15%0.36%91.3%
Q1 202648$14.3M12.50%2.88%0.29%84.2%
Q4 202559$14.0M12.68%2.14%0.72%87.5%
Q3 202558$14.0M12.52%2.12%0.74%88.7%
Q2 202551$13.8M12.56%2.97%0.85%89.0%
Q1 202551$13.4M12.71%3.11%0.91%91.4%
Q4 202454$13.2M12.70%2.69%0.89%92.1%
Q3 202456$13.5M12.22%2.36%0.97%90.0%
Q2 202454$13.4M11.98%2.25%0.71%91.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.29%
41st
Problem loans4.15%
8th
Net charge-offs0.18%
49th
Return on assets0.36%
35th
Loans to deposits91.3%
8th
Uninsured deposits2.0%
44th
Loan-loss reserves0.00%
37th
Texas ratio24.5%
3rd

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Deposit insurance

Is my money safe at P C Federal Credit Union?

Yes. P C Federal Credit Union is a federally insured credit union (NCUA charter #10704). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.0% of shares and deposits ($235K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.29%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

P C Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Port Allegany, PA (1)
  • Smethport, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
P C Federal Credit Union
Type
Federal credit union
NCUA charter #
10704
RSSD ID
863586
Primary regulator
NCUA
Established
1955
Headquarters
203 N Main St, P O Box 39, Port Allegany, PA 16743
Employees
6

Quick answers

P C Federal Credit Union: common questions

Is P C Federal Credit Union NCUA insured?

Yes. P C Federal Credit Union is a federally insured credit union (NCUA charter #10704). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is P C Federal Credit Union's TellerScore?

47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does P C Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Port Allegany

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Hamlin Bank and Trust CompanyBank Smethport, PA89 out of 100, Very strong$503.4M20.0%0.96%vs
High Point Federal Credit UnionCredit union Olean, NY87 out of 100, Very strong$430.1M14.3%0.67%vs
The Juniata Valley BankBank Mifflintown, PA70 out of 100, Strong$917.9M8.6%0.05%vs
Northwest BankBank Warren, PA66 out of 100, Moderate$17.2B9.8%0.69%vs
Community Bank, National AssociationBank Canton, NY62 out of 100, Moderate$17.4B7.9%0.50%vs