Credit Union Safety Analysis
Is S R U Federal Credit Union Safe? Slippery Rock, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, S R U Federal Credit Union has a net worth ratio of 12.78%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.54%, 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, S R U Federal Credit Union's net worth ratio is 12.78%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.78%
- Delinquency ratio (60+ days) (Q2 2026): 0.54%
- Return on assets (Q2 2026): 1.56%
- Loan-to-share ratio (Q2 2026): 64.67%
S R U Federal Credit Union (NCUA charter 12654, established 1958) reported $67.1M in assets and 4,460 members for Q2 2026 from Slippery Rock, Pennsylvania. It ranks 107 of 269 credit unions in Pennsylvania by total assets. Total assets grew 5.4% from $63.7M on June 30, 2025. It has 145 more members than on June 30, 2025 (+3.4%). Its net worth ratio was up 0.64 percentage points from 12.14% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $18.1M of $37.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% 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: 12.60% for Q1 2026; 12.14% 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: 1.09% for Q1 2026; 0.54% 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: 1.14% for Q1 2026; 1.06% 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: 65.42% for Q1 2026; 65.55% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $18.1M
- Used vehicle loans: $9.6M
- New vehicle loans: $7.6M
- Other unsecured loans and lines of credit: $1.2M
- Unsecured credit card loans: $708K
- Other secured non-real estate loans and lines of credit: $447K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $67.1M | 12.78% | 0.54% | 1.56% | 64.67% |
| March 31, 2026 | $66.2M | 12.60% | 1.09% | 1.14% | 65.42% |
| December 31, 2025 | $65.0M | 12.50% | 0.93% | 0.94% | 67.76% |
| September 30, 2025 | $63.7M | 12.55% | 1.06% | 1.69% | 69.08% |
| June 30, 2025 | $63.7M | 12.14% | 0.54% | 1.06% | 65.55% |
| March 31, 2025 | $63.1M | 11.99% | 0.99% | 0.87% | 66.52% |
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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.
S R U Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12654) · FFIEC NIC profile (RSSD 567585)
Frequently asked questions
Is S R U Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, S R U Federal Credit Union's net worth ratio is 12.78%, above the 7% NCUA threshold for well capitalized.
Is S R U Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. S R U Federal Credit Union is a federally insured credit union (NCUA charter 12654): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are S R U Federal Credit Union's key safety ratios?
For Q2 2026, S R U Federal Credit Union reports net worth 12.78%, delinquency 0.54%, ROA 1.56%, loan-to-share 64.67%.
What happens to my money if S R U Federal Credit Union fails?
For Q2 2026, S R U Federal Credit Union held $58.4M in shares and deposits for 4,460 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.