Penn Hills Municipal Federal Credit Union Pittsburgh, Pennsylvania
Penn Hills Municipal Federal Credit Union is a federal credit union headquartered in Pittsburgh, PA, established in 1965 (NCUA charter 16636), and it is regulated and insured by the NCUA. At Q2 2026 it reported 203 members and total assets of $2.3M (down 2.3% from Q2 2025), the 251st largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 27.46% at Q2 2026, in the well capitalized band.
Also written as Penn Hills Municipal 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
- 16636
- Headquarters
- Pittsburgh, PA
- Established
- 1965
- Total assets, Q2 2026
- $2.3M
- Assets vs Q2 2025
- -2.3%
- Members, Q2 2026
- 203
- Net worth ratio, Q2 2026
- 27.46%
- Latest call report
- Q2 2026, NCUA 5300 · Penn Hills Municipal Federal Credit Union call report
- Asset rank in state
- 251st of 269 in Pennsylvania
- Routing number
- 243084126
- Branches
- 1
It had the same number of members on June 30, 2025. Its net worth ratio was up 1.78 percentage points from 25.68% on June 30, 2025. Used vehicle loans are its largest loan category, $289K of $681K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.35% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 27.46% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Penn Hills Municipal Federal Credit Union
How big is Penn Hills Municipal Federal Credit Union?
At Q2 2026 it reported total assets of $2.3M and 203 members.
Where is Penn Hills Municipal Federal Credit Union headquartered?
It is headquartered in Pittsburgh, PA, United States.
When was Penn Hills Municipal Federal Credit Union founded?
It was established in 1965, per NCUA records.
Is Penn Hills Municipal Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16636): 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 Penn Hills Municipal Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Penn Hills Municipal Federal Credit Union well capitalized?
Its net worth ratio was 27.46% 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 Penn Hills Municipal Federal Credit Union's delinquency ratio?
Its delinquency ratio was 4.35% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Penn Hills Municipal Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 41.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pittsburgh, PA 15235
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1965
- NCUA Charter #
- 16636
- RSSD ID
- 826684
- Members
- 203
- Potential members
- 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 4 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 27.46% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.36% | 0.72% | 34th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.30% | 4.74% | 27th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 4.35% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 2.79% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 41.16% | 58.92% | 24th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.3M total assets against $2.3M; $1.7M total shares and deposits against $1.7M; $681K total loans against $1.1M.
$627K net worth against $600K.
27.46% net worth ratio against 25.68%.
41.16% loan-to-share ratio against 61.26%.
4.35% delinquency ratio against 6.07%.
0.36% return on assets against -3.36%; 1.30% return on equity against -13.07%.
203 members against 203.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 27.46% | 0.36% | 4.35% | 41.16% |
| March 31, 2026 | 27.55% | 1.65% | 4.19% | 45.29% |
| December 31, 2025 | 27.23% | 0.66% | 3.94% | 51.03% |
| September 30, 2025 | 27.40% | 2.13% | 3.52% | 62.59% |
| June 30, 2025 | 25.68% | -3.36% | 6.07% | 61.26% |
| March 31, 2025 | 26.12% | 3.40% | 3.17% | 66.95% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.