Credit Union Safety Analysis
Is I. B. E. W. Local Number 5 Federal Credit Union Safe? Pittsburgh, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, I. B. E. W. Local Number 5 Federal Credit Union has a net worth ratio of 15.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.07%, 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, I. B. E. W. Local Number 5 Federal Credit Union's net worth ratio is 15.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.39%
- Delinquency ratio (60+ days) (Q2 2026): 0.07%
- Return on assets (Q2 2026): 1.61%
- Loan-to-share ratio (Q2 2026): 61.58%
I. B. E. W. Local Number 5 Federal Credit Union (NCUA charter 21782, established 1974) reported $15.4M in assets and 1,630 members for Q2 2026 from Pittsburgh, Pennsylvania. It ranks 185 of 269 credit unions in Pennsylvania by total assets. Total assets grew 12.7% from $13.6M on June 30, 2025. It has 127 more members than on June 30, 2025 (+8.4%). Its net worth ratio was up 0.07 percentage points from 15.32% on June 30, 2025. Used vehicle loans are its largest loan category, $3.0M of $8.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.07% 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: 15.10% for Q1 2026; 15.32% 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: 0.07% for Q1 2026; 0.18% 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: 1.96% for Q1 2026; 2.50% 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: 60.25% for Q1 2026; 64.92% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.0M
- New vehicle loans: $2.5M
- 1- to 4-family residential and other consumer real estate loans: $1.9M
- Other unsecured loans and lines of credit: $374K
- Other secured non-real estate loans and lines of credit: $161K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $15.4M | 15.39% | 0.07% | 1.61% | 61.58% |
| March 31, 2026 | $15.3M | 15.10% | 0.07% | 1.96% | 60.25% |
| December 31, 2025 | $14.3M | 15.60% | 0.08% | 1.94% | 63.95% |
| September 30, 2025 | $13.9M | 15.53% | 0.18% | 2.13% | 64.81% |
| June 30, 2025 | $13.6M | 15.32% | 0.18% | 2.50% | 64.92% |
| March 31, 2025 | $13.3M | 15.07% | — | 1.74% | 68.30% |
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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.
I. B. E. W. Local Number 5 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21782) · FFIEC NIC profile (RSSD 293286)
Frequently asked questions
Is I. B. E. W. Local Number 5 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, I. B. E. W. Local Number 5 Federal Credit Union's net worth ratio is 15.39%, above the 7% NCUA threshold for well capitalized.
Is I. B. E. W. Local Number 5 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. I. B. E. W. Local Number 5 Federal Credit Union is a federally insured credit union (NCUA charter 21782): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are I. B. E. W. Local Number 5 Federal Credit Union's key safety ratios?
For Q2 2026, I. B. E. W. Local Number 5 Federal Credit Union reports net worth 15.39%, delinquency 0.07%, ROA 1.61%, loan-to-share 61.58%.
What happens to my money if I. B. E. W. Local Number 5 Federal Credit Union fails?
For Q2 2026, I. B. E. W. Local Number 5 Federal Credit Union held $13.0M in shares and deposits for 1,630 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.