Clairton Works Federal Credit Union Clairton, Pennsylvania
Clairton Works Federal Credit Union is a federal credit union headquartered in Clairton, PA, established in 1936 (NCUA charter 1646), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,273 members and total assets of $11.8M (down 7.0% from Q2 2025), the 203rd largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 15.24% at Q2 2026, in the well capitalized band.
Also written as Clairton Works FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 1646
- Headquarters
- Clairton, PA
- Established
- 1936
- Total assets, Q2 2026
- $11.8M
- Assets vs Q2 2025
- -7.0%
- Members, Q2 2026
- 1,273
- Net worth ratio, Q2 2026
- 15.24%
- Latest call report
- Q2 2026, NCUA 5300 · Clairton Works Federal Credit Union call report
- Asset rank in state
- 203rd of 269 in Pennsylvania
- Routing number
- 243380150
- Branches
- 2
It has 18 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was up 1.36 percentage points from 13.88% on June 30, 2025. New vehicle loans are its largest loan category, $1.1M of $3.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.06% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.24% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Clairton Works Federal Credit Union
How big is Clairton Works Federal Credit Union?
At Q2 2026 it reported total assets of $11.8M and 1,273 members.
Where is Clairton Works Federal Credit Union headquartered?
It is headquartered in Clairton, PA, United States.
When was Clairton Works Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Clairton Works Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1646): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Clairton Works Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Clairton Works Federal Credit Union well capitalized?
Its net worth ratio was 15.24% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Clairton Works Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.06% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Clairton Works Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 37.37% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Clairton, PA 15025
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1646
- RSSD ID
- 422871
- Members
- 1,273
- Potential members
- 12,350
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.24% | 14.31% | 55th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.61% | 0.72% | 12th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -4.00% | 4.74% | 12th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.98% | 3.93% | 52nd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 114.02% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.44% | 0.78% | 71st above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.06% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.42% | 4.70% | 36th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 37.37% | 58.92% | 19th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$11.8M total assets against $12.7M; $10.0M total shares and deposits against $10.8M; $3.7M total loans against $4.7M.
$1.8M net worth against $1.8M.
15.24% net worth ratio against 13.88%.
37.37% loan-to-share ratio against 43.65%.
0.06% delinquency ratio against 0.04%.
-0.61% return on assets against -0.40%; -4.00% return on equity against -2.90%.
3.98% net interest margin against 3.51%.
1,273 members against 1,291.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.24% | -0.61% | 0.06% | 37.37% |
| March 31, 2026 | 15.11% | 1.33% | — | 39.47% |
| December 31, 2025 | 13.73% | 0.91% | 0.03% | 40.36% |
| September 30, 2025 | 13.39% | -0.05% | 0.45% | 41.76% |
| June 30, 2025 | 13.88% | -0.40% | 0.04% | 43.65% |
| March 31, 2025 | 14.13% | 0.82% | — | 41.33% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.