Credit Union Safety Analysis
Is West-Aircomm Federal Credit Union Safe? Beaver, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, West-Aircomm Federal Credit Union has a net worth ratio of 12.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.90%, 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, West-Aircomm Federal Credit Union's net worth ratio is 12.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.42%
- Delinquency ratio (60+ days) (Q2 2026): 1.90%
- Return on assets (Q2 2026): 1.28%
- Loan-to-share ratio (Q2 2026): 76.35%
West-Aircomm Federal Credit Union (NCUA charter 6233, established 1949) reported $375.7M in assets and 21,984 members for Q2 2026 from Beaver, Pennsylvania. It ranks 29 of 269 credit unions in Pennsylvania by total assets. Total assets grew 2.3% from $367.4M on June 30, 2025. It has 169 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.74 percentage points from 11.68% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $97.1M of $254.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.90% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.13% for Q1 2026; 11.68% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 2.40% for Q1 2026; 2.00% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.95% for Q1 2026; 1.04% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 76.34% for Q1 2026; 80.50% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $97.1M
- Commercial loans: $55.2M
- Used vehicle loans: $53.9M
- New vehicle loans: $34.0M
- Unsecured credit card loans: $6.1M
- Other unsecured loans and lines of credit: $5.8M
- Other secured non-real estate loans and lines of credit: $1.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $375.7M | 12.42% | 1.90% | 1.28% | 76.35% |
| March 31, 2026 | $374.7M | 12.13% | 2.40% | 0.95% | 76.34% |
| December 31, 2025 | $366.3M | 12.17% | 2.35% | 0.54% | 78.63% |
| September 30, 2025 | $364.9M | 12.08% | 2.11% | 1.27% | 80.81% |
| June 30, 2025 | $367.4M | 11.68% | 2.00% | 1.04% | 80.50% |
| March 31, 2025 | $366.5M | 11.45% | 1.80% | 1.12% | 81.43% |
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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.
West-Aircomm Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 6233) · FFIEC NIC profile (RSSD 1013986)
Frequently asked questions
Is West-Aircomm Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, West-Aircomm Federal Credit Union's net worth ratio is 12.42%, above the 7% NCUA threshold for well capitalized.
Is West-Aircomm Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. West-Aircomm Federal Credit Union is a federally insured credit union (NCUA charter 6233): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are West-Aircomm Federal Credit Union's key safety ratios?
For Q2 2026, West-Aircomm Federal Credit Union reports net worth 12.42%, delinquency 1.90%, ROA 1.28%, loan-to-share 76.35%.
What happens to my money if West-Aircomm Federal Credit Union fails?
For Q2 2026, West-Aircomm Federal Credit Union held $332.6M in shares and deposits for 21,984 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.