Credit Union Safety Analysis
Is C-B-W School Federal Credit Union Safe? Sidman, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, C-B-W School Federal Credit Union has a net worth ratio of 29.78%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.33%, 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, C-B-W School Federal Credit Union's net worth ratio is 29.78%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 29.78%
- Delinquency ratio (60+ days) (Q2 2026): 0.33%
- Return on assets (Q2 2026): 1.25%
- Loan-to-share ratio (Q2 2026): 28.59%
C-B-W School Federal Credit Union (NCUA charter 11374, established 1956) reported $131.8M in assets and 4,489 members for Q2 2026 from Sidman, Pennsylvania. It ranks 68 of 269 credit unions in Pennsylvania by total assets. Total assets grew 6.9% from $123.3M on June 30, 2025. It has 2,858 fewer members than on June 30, 2025 (-38.9%). Its net worth ratio was down 0.80 percentage points from 30.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $16.6M of $27.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 29.71% for Q1 2026; 30.58% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.29% for Q1 2026; 0.33% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.23% for Q1 2026; 1.03% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 28.38% for Q1 2026; 30.50% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $16.6M
- Used vehicle loans: $5.8M
- New vehicle loans: $3.6M
- Other unsecured loans and lines of credit: $840K
- Other secured non-real estate loans and lines of credit: $642K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $131.8M | 29.78% | 0.33% | 1.25% | 28.59% |
| March 31, 2026 | $130.7M | 29.71% | 0.29% | 1.23% | 28.38% |
| December 31, 2025 | $127.6M | 30.12% | 0.29% | 1.17% | 30.18% |
| September 30, 2025 | $124.9M | 30.47% | 0.29% | 1.14% | 30.74% |
| June 30, 2025 | $123.3M | 30.58% | 0.33% | 1.03% | 30.50% |
| March 31, 2025 | $120.2M | 31.10% | 0.34% | 0.95% | 31.12% |
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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.
C-B-W School Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11374) · FFIEC NIC profile (RSSD 907789)
Frequently asked questions
Is C-B-W School Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, C-B-W School Federal Credit Union's net worth ratio is 29.78%, above the 7% NCUA threshold for well capitalized.
Is C-B-W School Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. C-B-W School Federal Credit Union is a federally insured credit union (NCUA charter 11374): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are C-B-W School Federal Credit Union's key safety ratios?
For Q2 2026, C-B-W School Federal Credit Union reports net worth 29.78%, delinquency 0.33%, ROA 1.25%, loan-to-share 28.59%.
What happens to my money if C-B-W School Federal Credit Union fails?
For Q2 2026, C-B-W School Federal Credit Union held $96.1M in shares and deposits for 4,489 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.