Credit Union Safety Analysis
Is A & S Federal Credit Union Safe? Aliquippa, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, A & S Federal Credit Union has a net worth ratio of 15.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.55%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, A & S Federal Credit Union's net worth ratio is 15.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.10%
- Delinquency ratio (60+ days) (Q2 2026): 0.55%
- Return on assets (Q2 2026): 1.92%
- Loan-to-share ratio (Q2 2026): 37.90%
A & S Federal Credit Union (NCUA charter 3741, established 1940) reported $39.3M in assets and 2,394 members for Q2 2026 from Aliquippa, Pennsylvania. It ranks 138 of 269 credit unions in Pennsylvania by total assets. Total assets fell 0.4% from $39.5M on June 30, 2025. It has 64 more members than on June 30, 2025 (+2.7%). Its net worth ratio was up 1.90 percentage points from 13.20% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.1M of $12.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.55% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.37% for Q1 2026; 13.20% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.10% for Q1 2026; 0.09% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.88% for Q1 2026; 2.16% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 36.12% for Q1 2026; 34.00% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.1M
- Used vehicle loans: $4.0M
- New vehicle loans: $2.7M
- Unsecured credit card loans: $833K
- Other unsecured loans and lines of credit: $648K
- Other secured non-real estate loans and lines of credit: $422K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $39.3M | 15.10% | 0.55% | 1.92% | 37.90% |
| March 31, 2026 | $40.0M | 14.37% | 0.10% | 1.88% | 36.12% |
| December 31, 2025 | $39.6M | 14.05% | 0.14% | 1.89% | 34.61% |
| September 30, 2025 | $38.8M | 13.88% | 0.09% | 1.78% | 35.35% |
| June 30, 2025 | $39.5M | 13.20% | 0.09% | 2.16% | 34.00% |
| March 31, 2025 | $39.8M | 12.59% | 0.11% | 0.91% | 33.56% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
A & S Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 3741) · FFIEC NIC profile (RSSD 314976)
Frequently asked questions
Is A & S Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, A & S Federal Credit Union's net worth ratio is 15.10%, above the 7% NCUA threshold for well capitalized.
Is A & S Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. A & S Federal Credit Union is a federally insured credit union (NCUA charter 3741): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are A & S Federal Credit Union's key safety ratios?
For Q2 2026, A & S Federal Credit Union reports net worth 15.10%, delinquency 0.55%, ROA 1.92%, loan-to-share 37.90%.
What happens to my money if A & S Federal Credit Union fails?
For Q2 2026, A & S Federal Credit Union held $33.3M in shares and deposits for 2,394 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.