Charter 2959 · Muncy, PA
Palco FCU
Palco FCU is a federally chartered credit union in Muncy, Pennsylvania, with $109 million in assets and 6,267 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.10%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $109 million
- +5.4% in a year
- Members
- 6,267
- +2.8% in a year
- Net worth ratio
- 13.10%
- Peer median 11.65%
- Loans 60+ days late
- 0.20%
- Peer median 0.70%
- Loans outstanding
- $47.7 million
- +11.5% in a year
- Shares and deposits
- $97.1 million
- +4.7% in a year
- Branches
- 2
- 18 employees
- Opened
- 1938
- Federal charter
How Palco FCU compares
NCUA groups credit unions by size; Palco FCU is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.10% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.20%, is lower than the group median of 0.70%. Loans grew 11.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 83 of 269 credit unions headquartered in Pennsylvania. See all Pennsylvania credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $109 million | 6,267 | $47.7 million | 13.10% | 0.20% |
| Q1 2026 | $109 million | 6,218 | $47.4 million | 12.72% | 0.08% |
| Q4 2025 | $106 million | 6,193 | $46.4 million | 12.86% | 0.36% |
| Q3 2025 | $103 million | 6,185 | $46.0 million | 12.82% | 0.16% |
| Q2 2025 | $104 million | 6,097 | $42.8 million | 12.34% | 0.28% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 436,399 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Palco FCU. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Palco Federal Credit Union (main office)
191 Chad Rd, Muncy, PA 17756 - PALCO Federal Credit Union
114 East Ave, Wellsboro, PA 16901
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology