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P C Credit Union

Overview
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P C Credit Union is a federal credit union based in Port Allegany, Pennsylvania. It has been opened since 1955, for 65 years.

With around $10,100,000 in assets, P C Credit Union is considered to be a medium size credit union.

About
Address 203 North Main St, P.O. Box 39
Port Allegany, Pennsylvania 16743
Website http://www.pcfederalcu.org
Phone (814) 642-9248
Fax (814) 642-5044
CEO Audrey L. Lane
President of the Board Clifford Lane
Services Offered
Map
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Score Card
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65 years
Years in business
Opened in 1955
Well Capitalized
Net worth classification
Source: NCUA
1,597 members
Membership type: Multiple common bond – other
Below average number of members
266:1
Credit union member to staff ratio
266 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$10,100,985
Total assets
Below average
2 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
0.68%
Savings interest rate
Compared to 0.3% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
P C Credit Union Branch Locations

P. C. Federal Credit Union
203 North Main Street
Port Allegany, Pennsylvania 16743
No ATM
Members
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1,597 members
Membership type: Multiple common bond – other
Below average number of members

With 1,597 members, the P C Credit Union is considered to be a small credit union. It is smaller than 71% of credit unions.

Fees
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$18
Average fee per member
The average fee per member at the P C Credit Union is $18, which is low compared to most credit unions. This rate is lower than 74% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the P C Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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266:1
Credit union member to staff ratio
266 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
6 staff members
FTE (full-time equivalent)
0% of employees are part-time
6 full-time, 0 part-time

P C Credit Union has 6 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. P C Credit Union has around 266 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$10,100,985
Total assets
Below average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$10,834
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 56% of credit unions.

P C Credit Union holds a total of $7,760,000 in loans and leases, which is about $10,834 per member on average.

Savings interest rate
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0.68%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. P C Credit Union pays 0.68%.

Loan rates
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11.52%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.25%
New car loan rate
Compared to 4.0% nationally
5.80%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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