Credit Union Safety Analysis
Is P A A C Transit Division Federal Credit Union Safe? Pittsburgh, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, P A A C Transit Division Federal Credit Union has a net worth ratio of 17.60%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.04%, 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, P A A C Transit Division Federal Credit Union's net worth ratio is 17.60%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.60%
- Delinquency ratio (60+ days) (Q2 2026): 2.04%
- Return on assets (Q2 2026): 1.24%
- Loan-to-share ratio (Q2 2026): 25.69%
P A A C Transit Division Federal Credit Union (NCUA charter 3810, established 1940) reported $29.2M in assets and 3,118 members for Q2 2026 from Pittsburgh, Pennsylvania. It ranks 153 of 269 credit unions in Pennsylvania by total assets. Total assets grew 3.2% from $28.2M on June 30, 2025. It has 71 more members than on June 30, 2025 (+2.3%). Its net worth ratio was down 0.21 percentage points from 17.81% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $2.6M of $6.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.04% is above 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: 17.64% for Q1 2026; 17.81% 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: 2.38% for Q1 2026; 0.44% 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: 1.02% for Q1 2026; 1.32% 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: 26.14% for Q1 2026; 23.04% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $2.6M
- New vehicle loans: $1.8M
- Used vehicle loans: $1.6M
- Other secured non-real estate loans and lines of credit: $48K
- 1- to 4-family residential and other consumer real estate loans: $16K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $29.2M | 17.60% | 2.04% | 1.24% | 25.69% |
| March 31, 2026 | $28.6M | 17.64% | 2.38% | 1.02% | 26.14% |
| December 31, 2025 | $28.0M | 17.72% | 2.29% | -3.49% | 28.16% |
| September 30, 2025 | $28.4M | 18.40% | 0.52% | 2.65% | 27.43% |
| June 30, 2025 | $28.2M | 17.81% | 0.44% | 1.32% | 23.04% |
| March 31, 2025 | $28.4M | 17.39% | 1.33% | 1.77% | 22.58% |
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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.
P A A C Transit Division Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 3810) · FFIEC NIC profile (RSSD 241670)
Frequently asked questions
Is P A A C Transit Division Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, P A A C Transit Division Federal Credit Union's net worth ratio is 17.60%, above the 7% NCUA threshold for well capitalized.
Is P A A C Transit Division Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. P A A C Transit Division Federal Credit Union is a federally insured credit union (NCUA charter 3810): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are P A A C Transit Division Federal Credit Union's key safety ratios?
For Q2 2026, P A A C Transit Division Federal Credit Union reports net worth 17.60%, delinquency 2.04%, ROA 1.24%, loan-to-share 25.69%.
What happens to my money if P A A C Transit Division Federal Credit Union fails?
For Q2 2026, P A A C Transit Division Federal Credit Union held $24.0M in shares and deposits for 3,118 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.