PALCO FCU
Federal • MUNCY, Pennsylvania • Est. 1938
Quick Facts
- Charter Number
- #2959
- Type
- Federal
- Established
- 1938
- Headquarters
- MUNCY, Pennsylvania 17756
- Address
- PO BOX 330
- Branches
- 1
- ATMs
- 1
- Members
- 6,193
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
6,193 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | PALCO FCU |
|---|---|
| Total Assets | $105.9M |
| Members | 6,193 |
| Loans Outstanding | $46.4M |
| Shares & Deposits | $93.0M |
| Net Worth | $13.6M |
| Net Worth Ratio | 12.86% |
| Loan-to-Share Ratio | 49.9% |
| Delinquency Rate | 0.36% |
| Net Income | +$1,732,029 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
Palco Federal Credit Union
Main Office191 Chad Rd
Muncy, PA 17756-8146
Who Can Join PALCO FCU?
Membership Type: Other/Unknown
Membership eligibility for PALCO FCU may vary. Contact the credit union directly to confirm qualification requirements.
Contact PALCO FCU directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Pennsylvania RankingsFrequently Asked Questions
Yes. PALCO FCU is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, PALCO FCU has 6,193 members and a potential membership field of 433,252 people.
PALCO FCU's net worth ratio is 12.86% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.9%, PALCO FCU meets this threshold.
PALCO FCU operates 1 branch location and has access to 1 ATMs. The main office is located at 191 Chad Rd, Muncy, PA 17756-8146.
PALCO FCU was established in 1938. It is a federal credit union chartered under charter number 2959. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or PALCO FCU. All financial data is for informational purposes only.