Credit union · NCUA insured
PCFCU
A $14.3M credit union headquartered in Port Allegany, PA, with 1,402 members and 2 branches in Pennsylvania. Best rates: CDs 4.25% and savings 1.00% APY.
PCFCU Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#6 of 7 in Bradford, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PCFCU
P.C. Federal Credit Union operates branch locations in Port Allegany and Farmers Valley, Pennsylvania.
- Headquarters
- 203 N Main St, Port Allegany, PA 16743
- NCUA charter
- 10704
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Pittsburgh Corning Corp. are eligible for membership.
- Employees of International Waxes, Inc. are eligible for membership.
- Employees of Buckler Transport, Inc. are eligible for membership.
- Employees of Costa’s Ace Hardware are eligible for membership.
- Employees of Costa’s Supermarkets are eligible for membership.
- Employees of Duffy, Inc. are eligible for membership.
3 more ways to join
Employers and groups
- Employees of Walker Petroleum Serv., Inc. are eligible for membership.
Military, government and schools
- Employees of McKean County are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible to join.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- P C Federal Credit UnionMain office203 N Main St, Port Allegany, PA 16743Directions
- Disaster Recovery Site45 Route 446, Smethport, PA 16749Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.29% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.15% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.36% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio13.29%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.15%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.36%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of PCFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.