Steamfitters Philadelphia Federal Credit Union West Chester, Pennsylvania
Steamfitters Philadelphia Federal Credit Union is a federal credit union headquartered in West Chester, PA, established in 1967 (NCUA charter 18234), and it is regulated and insured by the NCUA. At Q2 2026 it reported 863 members and total assets of $744K (down 10.2% from Q2 2025), the 262nd largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 15.53% at Q2 2026, in the well capitalized band.
Also written as Steamfitters Philadelphia 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
- 18234
- Headquarters
- West Chester, PA
- Established
- 1967
- Total assets, Q2 2026
- $744K
- Assets vs Q2 2025
- -10.2%
- Members, Q2 2026
- 863
- Net worth ratio, Q2 2026
- 15.53%
- Latest call report
- Q2 2026, NCUA 5300 · Steamfitters Philadelphia Federal Credit Union call report
- Asset rank in state
- 262nd of 269 in Pennsylvania
- Routing number
- 231386043
- Branches
- 1
It has 6 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was up 1.43 percentage points from 14.10% on June 30, 2025. Used vehicle loans are its largest loan category, $231K of $592K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Pennsylvania
Frequently asked about Steamfitters Philadelphia Federal Credit Union
How big is Steamfitters Philadelphia Federal Credit Union?
At Q2 2026 it reported total assets of $744K and 863 members.
Where is Steamfitters Philadelphia Federal Credit Union headquartered?
It is headquartered in West Chester, PA, United States.
When was Steamfitters Philadelphia Federal Credit Union founded?
It was established in 1967, per NCUA records.
Is Steamfitters Philadelphia Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 18234): 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 Steamfitters Philadelphia Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Steamfitters Philadelphia Federal Credit Union well capitalized?
Its net worth ratio was 15.53% 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 Steamfitters Philadelphia Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 94.24% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- West Chester, PA 19380
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1967
- NCUA Charter #
- 18234
- RSSD ID
- 723886
- Members
- 863
- Potential members
- 10,000
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 0 of 3 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.53% | 14.31% | 56th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.17% | 0.72% | 69th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.53% | 4.74% | 68th above |
| 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% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.18% | 4.70% | 69th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 94.24% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$744K total assets against $828K; $628K total shares and deposits against $711K; $592K total loans against $729K.
$116K net worth against $117K.
15.53% net worth ratio against 14.10%.
94.24% loan-to-share ratio against 102.54%.
1.17% return on assets against 0.97%; 7.53% return on equity against 6.91%.
863 members against 869.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.53% | 1.17% | — | 94.24% |
| March 31, 2026 | 14.30% | 0.80% | — | 94.03% |
| December 31, 2025 | 13.99% | — | — | 89.76% |
| September 30, 2025 | 14.84% | 1.37% | — | 98.29% |
| June 30, 2025 | 14.10% | 0.97% | — | 102.54% |
| March 31, 2025 | 12.90% | 1.33% | — | 101.44% |
Scroll sideways to see every column.
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.