Usx Federal Credit Union Cranberry TWP, Pennsylvania
Usx Federal Credit Union is a federal credit union headquartered in Cranberry TWP, PA, established in 1938 (NCUA charter 2740), and it is regulated and insured by the NCUA. At Q2 2026 it reported 19,029 members and total assets of $258.1M (up 0.7% from Q2 2025), the 41st largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 12.54% at Q2 2026, in the well capitalized band.
Also written as Usx 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
- 2740
- Headquarters
- Cranberry TWP, PA
- Established
- 1938
- Total assets, Q2 2026
- $258.1M
- Assets vs Q2 2025
- +0.7%
- Members, Q2 2026
- 19,029
- Net worth ratio, Q2 2026
- 12.54%
- Latest call report
- Q2 2026, NCUA 5300 · Usx Federal Credit Union call report
- Asset rank in state
- 41st of 269 in Pennsylvania
- Routing number
- 243084689
- Branches
- 9
It has 390 fewer members than on June 30, 2025 (-2.0%). Its net worth ratio was up 0.30 percentage points from 12.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $80.9M of $144.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.18% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.54% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Usx Federal Credit Union
Monroeville Boro Federal Credit Union (2022) · Millwrights/Pile Drivers of Pittsburgh Federal Credit Union (2016) · Alloy Scottdale Federal Credit Union (2016) · Nabco Federal Credit Union (2015) · Penacol Federal Credit Union (2015) · Pittsburgh Pepsi Cola Federal Credit Union (2014) · IBM Pittsburgh Federal Credit Union (2014) · Westho Federal Credit Union (2014)
Frequently asked about Usx Federal Credit Union
How big is Usx Federal Credit Union?
At Q2 2026 it reported total assets of $258.1M and 19,029 members.
Where is Usx Federal Credit Union headquartered?
It is headquartered in Cranberry TWP, PA, United States.
When was Usx Federal Credit Union founded?
It was established in 1938, per NCUA records.
Is Usx Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2740): 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 Usx Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Usx Federal Credit Union well capitalized?
Its net worth ratio was 12.54% 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 Usx Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.18% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Usx Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 63.80% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cranberry TWP, PA 16066
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 2740
- RSSD ID
- 971276
- Members
- 19,029
- Potential members
- 70,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 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: 9.81% to 13.58% | 12.54% | 11.43% | 63rd above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.49% | 0.81% | 29th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.92% | 7.02% | 25th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.85% | 3.70% | 59th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 87.18% | 76.55% | 17th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.05% | 1.24% | 65th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.18% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.89% | 4.92% | 48th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 63.80% | 75.66% | 28th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$258.1M total assets against $256.3M; $225.9M total shares and deposits against $225.9M; $144.1M total loans against $131.2M.
$32.4M net worth against $31.4M.
12.54% net worth ratio against 12.24%.
63.80% loan-to-share ratio against 58.08%.
0.18% delinquency ratio against 0.44%.
0.49% return on assets against 1.21%; 3.92% return on equity against 9.84%.
3.85% net interest margin against 3.50%.
19,029 members against 19,419.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.54% | 0.49% | 0.18% | 63.80% |
| March 31, 2026 | 12.31% | 0.36% | 0.26% | 60.10% |
| December 31, 2025 | 12.61% | 0.49% | 0.34% | 61.33% |
| September 30, 2025 | 12.52% | 0.47% | 0.40% | 60.57% |
| June 30, 2025 | 12.24% | 1.21% | 0.44% | 58.08% |
| March 31, 2025 | 11.84% | 1.30% | 0.49% | 56.03% |
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.