Credit Union Safety Analysis
Is Steamfitters Philadelphia Federal Credit Union Safe? West Chester, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Steamfitters Philadelphia Federal Credit Union has a net worth ratio of 15.53%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Steamfitters Philadelphia Federal Credit Union's net worth ratio is 15.53%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.53%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.17%
- Loan-to-share ratio (Q2 2026): 94.24%
Steamfitters Philadelphia Federal Credit Union (NCUA charter 18234, established 1967) reported $744K in assets and 863 members for Q2 2026 from West Chester, Pennsylvania. It ranks 262 of 269 credit unions in Pennsylvania by total assets. Total assets fell 10.2% from $828K on June 30, 2025. 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.
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: 14.30% for Q1 2026; 14.10% 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%.
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: 0.80% for Q1 2026; 0.97% 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: 94.03% for Q1 2026; 102.54% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $231K
- Other unsecured loans and lines of credit: $209K
- New vehicle loans: $152K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $744K | 15.53% | — | 1.17% | 94.24% |
| March 31, 2026 | $793K | 14.30% | — | 0.80% | 94.03% |
| December 31, 2025 | $799K | 13.99% | — | — | 89.76% |
| September 30, 2025 | $805K | 14.84% | — | 1.37% | 98.29% |
| June 30, 2025 | $828K | 14.10% | — | 0.97% | 102.54% |
| March 31, 2025 | $889K | 12.90% | — | 1.33% | 101.44% |
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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.
Steamfitters Philadelphia Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18234) · FFIEC NIC profile (RSSD 723886)
Frequently asked questions
Is Steamfitters Philadelphia Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Steamfitters Philadelphia Federal Credit Union's net worth ratio is 15.53%, above the 7% NCUA threshold for well capitalized.
Is Steamfitters Philadelphia Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Steamfitters Philadelphia Federal Credit Union is a federally insured credit union (NCUA charter 18234): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Steamfitters Philadelphia Federal Credit Union's key safety ratios?
For Q2 2026, Steamfitters Philadelphia Federal Credit Union reports net worth 15.53%, delinquency not reported, ROA 1.17%, loan-to-share 94.24%.
What happens to my money if Steamfitters Philadelphia Federal Credit Union fails?
For Q2 2026, Steamfitters Philadelphia Federal Credit Union held $628K in shares and deposits for 863 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.