Credit Union Safety Analysis
Is West Penn P & P Federal Credit Union Safe? Beaver, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, West Penn P & P Federal Credit Union has a net worth ratio of 13.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.31%, 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 Penn P & P Federal Credit Union's net worth ratio is 13.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.89%
- Delinquency ratio (60+ days) (Q2 2026): 1.31%
- Return on assets (Q2 2026): 1.28%
- Loan-to-share ratio (Q2 2026): 24.62%
West Penn P & P Federal Credit Union (NCUA charter 9476, established 1954) reported $22.8M in assets and 4,371 members for Q2 2026 from Beaver, Pennsylvania. It ranks 165 of 269 credit unions in Pennsylvania by total assets. Total assets grew 3.1% from $22.1M on June 30, 2025. It has 157 fewer members than on June 30, 2025 (-3.5%). Its net worth ratio was up 0.68 percentage points from 13.21% on June 30, 2025. New vehicle loans are its largest loan category, $1.4M of $4.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.31% is above 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: 13.76% for Q1 2026; 13.21% 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: 1.57% for Q1 2026; 2.62% 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: 1.00% for Q1 2026; 1.31% 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: 25.77% for Q1 2026; 29.76% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.4M
- 1- to 4-family residential and other consumer real estate loans: $1.4M
- Used vehicle loans: $969K
- Other unsecured loans and lines of credit: $548K
- Other secured non-real estate loans and lines of credit: $369K
- Unsecured credit card loans: $186K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $22.8M | 13.89% | 1.31% | 1.28% | 24.62% |
| March 31, 2026 | $22.5M | 13.76% | 1.57% | 1.00% | 25.77% |
| December 31, 2025 | $21.9M | 13.86% | 1.61% | 0.66% | 27.60% |
| September 30, 2025 | $22.1M | 13.55% | 2.07% | 1.47% | 28.74% |
| June 30, 2025 | $22.1M | 13.21% | 2.62% | 1.31% | 29.76% |
| March 31, 2025 | $21.5M | 13.21% | 3.49% | 1.43% | 31.39% |
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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 Penn P & P Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9476) · FFIEC NIC profile (RSSD 73189)
Frequently asked questions
Is West Penn P & P Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, West Penn P & P Federal Credit Union's net worth ratio is 13.89%, above the 7% NCUA threshold for well capitalized.
Is West Penn P & P Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. West Penn P & P Federal Credit Union is a federally insured credit union (NCUA charter 9476): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are West Penn P & P Federal Credit Union's key safety ratios?
For Q2 2026, West Penn P & P Federal Credit Union reports net worth 13.89%, delinquency 1.31%, ROA 1.28%, loan-to-share 24.62%.
What happens to my money if West Penn P & P Federal Credit Union fails?
For Q2 2026, West Penn P & P Federal Credit Union held $19.6M in shares and deposits for 4,371 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.