Applications / Mortgage Analytics / Lenders / Pennsylvania / PALCO Federal Credit Union
Muncy, PA · Credit union · NCUA · $106 million assets · 35 loans in 2025
PALCO Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
35
loans originated, 2025
39
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PALCO Federal Credit Union, a small Pennsylvania credit union reporting since 1990, makes small home-improvement and other loans rather than mortgages to buy homes.
Of its 35 loans in 2025, 51.4% were for other purposes and 40.0% for home improvement; refinances made up the rest. It made no loans to buy a home. That is why its typical loan, $55,000, is far below the $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at more than nine in ten of them.
Its typical rate was 5.99%, against 6.75% at similar lenders, lower than about nine in ten of them. None of its loans was higher-priced, meaning a rate well above the average for similar loans.
It made 35 loans, up 3% from 34, while similar lenders were flat. Its volume has roughly doubled since 2020, when it made 18. The numbers are small, so a few loans either way move the trend.
Williamsport is its main market, where it has lent since 1990. It ranks 43 of 153 lenders there, with a steady 0.3% share. Journey Bank and Jersey Shore State Bank lead that market. Its other markets, in non-metro Pennsylvania and nearby metros, see only a few of its loans.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PALCO Federal Credit Union took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 51.4% · Home improvement 40.0% · Refinance 8.6%
Conventional 100.0% · of 35 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 35 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 23 |
| Scranton--Wilkes-Barre | 2 |
| Allentown-Bethlehem-Easton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YZRLQQC62C3P68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 867575 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52959 | 1990–2017 |
Established 1 January 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: PALCO Federal Credit Union's data.
PALCO Federal Credit Union's data
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PALCO Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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