Federal credit union · Aliquippa, Pennsylvania · NCUA charter #3741
A & S
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $39.6M
- Total assets
- 2,344
- Members
- 14.4%
- Net-worth ratio
A & S scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.6M; members 2,344; net-worth ratio 14.37%; health rank #1,609 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,609 of 4,374 health · 2025Q4A & S · health 87/100 · $39.6M · 2025Q4
Call Report peers
A & S in the assets neighbourhood
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A & S vs every NCUA-scored credit union
A & S sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
A & S: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.14% vs peer 1.15% (-1.00 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -25.19 pp (34.61% vs 59.80%).
Where A & S sits in Pennsylvania
- In Pennsylvania, health place is #78 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #134 of 275.
- Membership ranks #154 of 275 among Pennsylvania CUs with a reported count (2,344 members).
- One place up in Pennsylvania, Greater Latrobe Schools (#77) ties at 87/100; one place down, Franklin Regional Schools (#79) ties at 87/100.
A & S Call Report trajectory
A & S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $39.6M (2025Q4) to $40.0M (2026Q1).
- Net-worth ratio shifted +0.32 pp (14.05% → 14.37%).
At 14.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
A & S gives up 13 points in total. Member Growth costs the most, 7.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 9.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.37% | -0.49 pp |
| Delinquency Rate | 0.14% | -1.00 pp |
| Return on Assets | 0.84% | +0.14 pp |
| Member Growth | -0.89% | - |
| Loan-to-Share Ratio | 34.61% | -25.19 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
A & S quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.0M | - |
| 2025Q4 | $39.6M | 2,344 |
| 2024Q4 | $40.0M | 2,365 |
| 2023Q4 | $39.7M | 2,347 |
Credit Union Details
- Charter Number
- 3741
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Aliquippa
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for A & S.
| Office | City |
|---|---|
| A & S Federal Credit Union (Main Office) | Aliquippa, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
A & S nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- A & S ranks #1,609 of 4,374 nationally on financial health and #78 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Affiliated Trades is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Affiliated Trades
Frequently Asked Questions
Is A & S financially healthy?
A & S has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,609 of 4,374 nationally on health and #78 of 275 in Pennsylvania. Its net worth ratio is 14.37% and its delinquency rate 0.14%.
How does A & S compare to other credit unions?
A & S scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.14% vs 1.15%). Its widest shortfall is loan-to-share ratio (34.61% vs 59.80%).
How can I join A & S?
A & S operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact A & S directly for the exact boundaries and application steps.
Is my money safe at A & S?
A & S is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. A & S's net worth ratio of 14.37% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.