Credit Union Safety Analysis
Is Pennsylvania-American Water Federal Credit Union Safe? Bethel Park, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Pennsylvania-American Water Federal Credit Union has a net worth ratio of 12.84%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.40%, 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, Pennsylvania-American Water Federal Credit Union's net worth ratio is 12.84%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.84%
- Delinquency ratio (60+ days) (Q2 2026): 0.40%
- Return on assets (Q2 2026): 0.07%
- Loan-to-share ratio (Q2 2026): 35.10%
Pennsylvania-American Water Federal Credit Union (NCUA charter 21556, established 1974) reported $12.0M in assets and 1,307 members for Q2 2026 from Bethel Park, Pennsylvania. It ranks 201 of 269 credit unions in Pennsylvania by total assets. Total assets fell 6.9% from $12.9M on June 30, 2025. It has 93 fewer members than on June 30, 2025 (-6.6%). Its net worth ratio was up 0.99 percentage points from 11.85% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $3.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.40% 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: 12.72% for Q1 2026; 11.85% 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: 0.27% for Q1 2026; 0.19% 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: -0.59% for Q1 2026; 0.73% 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: 36.95% for Q1 2026; 42.38% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.4M
- New vehicle loans: $1.3M
- Unsecured credit card loans: $604K
- Other unsecured loans and lines of credit: $346K
- Other secured non-real estate loans and lines of credit: $65K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $12.0M | 12.84% | 0.40% | 0.07% | 35.10% |
| March 31, 2026 | $12.1M | 12.72% | 0.27% | -0.59% | 36.95% |
| December 31, 2025 | $12.1M | 12.86% | 0.19% | 0.24% | 40.82% |
| September 30, 2025 | $12.4M | 12.42% | 0.64% | 0.69% | 41.62% |
| June 30, 2025 | $12.9M | 11.85% | 0.19% | 0.73% | 42.38% |
| March 31, 2025 | $12.9M | 11.62% | 0.55% | 0.36% | 42.31% |
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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.
Pennsylvania-American Water Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21556) · FFIEC NIC profile (RSSD 141480)
Frequently asked questions
Is Pennsylvania-American Water Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Pennsylvania-American Water Federal Credit Union's net worth ratio is 12.84%, above the 7% NCUA threshold for well capitalized.
Is Pennsylvania-American Water Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Pennsylvania-American Water Federal Credit Union is a federally insured credit union (NCUA charter 21556): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Pennsylvania-American Water Federal Credit Union's key safety ratios?
For Q2 2026, Pennsylvania-American Water Federal Credit Union reports net worth 12.84%, delinquency 0.40%, ROA 0.07%, loan-to-share 35.10%.
What happens to my money if Pennsylvania-American Water Federal Credit Union fails?
For Q2 2026, Pennsylvania-American Water Federal Credit Union held $10.4M in shares and deposits for 1,307 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.