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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

BankRegReports is independent of Clairton Works Federal Credit Union and never asks for online banking logins or passwords.

Clairton, PA Credit Union Est. 1936 NCUA #1646 NCUA

Data as of · sourced from NCUA 5300 call reports. How we update

Latest · June 30, 2026
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.

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

Total assets $11.8M
Total shares & deposits $10.0M
Total loans $3.7M
  New vehicle loans$1.1M
  Used vehicle loans$881K
  1- to 4-family residential and other consumer real estate loans$770K
  Unsecured credit card loans$494K
  Other unsecured loans and lines of credit$342K
  Other secured non-real estate loans and lines of credit$118K
Members 1,273

Profitability

Q2 annualized
Return on assets (ROA) -0.61%YTD 0.35%
Return on equity (ROE) -4.00%YTD 2.45%
Net interest margin 3.98%YTD 4.41%
Efficiency ratio 114.02%
Cost of funds 0.44%

Capital & Asset Quality

Net worth $1.8M
Net worth ratio 15.24%
Net worth category Well capitalized
Delinquency ratio 0.06%
Loan-to-share ratio 37.37%
Yield on assets 4.42%

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

Assets, loans and shares

$11.8M total assets against $12.7M; $10.0M total shares and deposits against $10.8M; $3.7M total loans against $4.7M.

Net worth

$1.8M net worth against $1.8M.

Net worth ratio

15.24% net worth ratio against 13.88%.

Loan-to-share ratio

37.37% loan-to-share ratio against 43.65%.

Delinquency ratio

0.06% delinquency ratio against 0.04%.

Return on assets and return on equity

-0.61% return on assets against -0.40%; -4.00% return on equity against -2.90%.

Net interest margin

3.98% net interest margin against 3.51%.

Members

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

Return on assets at -0.61%, operating at a loss BRR analysis What does this mean? →

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.