Federal credit union · Pittsburgh, Pennsylvania · NCUA charter #3226
Acba Fed Credit Union (3226)
Health score 51/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $3.0M
- Total assets
- 979
- Members
- 14.1%
- Net-worth ratio
Acba Fed Credit Union (3226) scores 51/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.0M; members 979; net-worth ratio 14.10%; health rank #4,253 of 4,374; healthier than 3rd of scored peers.
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#4,253 of 4,374 health · 2025Q4Acba Fed Credit Union (3226) · health 51/100 · $3.0M · 2025Q4
Call Report peers
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Acba Fed Credit Union (3226) vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Acba Fed Credit Union (3226) sits in 50-54 with 82 others.
51 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Acba Fed Credit Union (3226) diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 82.26% here, 63.60% peer average (+18.66 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.96 pp (14.10% vs 19.06%).
Acba Fed Credit Union (3226): in-state Call Report ranks
- Health composite ranks #268 of 275 among scored Pennsylvania credit unions.
- By total assets, Acba Fed Credit Union (3226) is #252 of 275 in Pennsylvania.
- Membership ranks #214 of 275 among Pennsylvania CUs with a reported count (979 members).
- One place up in Pennsylvania, Greensburg Teachers (#267) ties at 51/100; one place down, KENNAFORD (#269) scores 50/100, 1 point lower.
How Acba Fed Credit Union (3226)'s 5300 filing moved
Acba Fed Credit Union (3226): total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $3.0M (2025Q4) to $3.1M (2026Q1).
- Net-worth ratio shifted -1.24 pp (15.34% → 14.10%).
At 14.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 51/100 score is built
Acba Fed Credit Union (3226) gives up 49 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 15.2 pts
Acba Fed Credit Union (3226) vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.10% | -4.96 pp |
| Delinquency Rate | 4.54% | +2.74 pp |
| Return on Assets | -2.19% | -2.64 pp |
| Member Growth | -1.81% | - |
| Loan-to-Share Ratio | 82.26% | +18.66 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Acba Fed Credit Union (3226) filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.1M | - |
| 2025Q4 | $3.0M | 979 |
| 2024Q4 | $3.2M | 997 |
| 2023Q4 | $3.5M | 1,047 |
Credit Union Details
- Charter Number
- 3226
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Pittsburgh
- Data Quarter
- 2025Q4
Branch Location
Acba Fed Credit Union (3226) operates a single office in Pittsburgh, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ACBA Federal Credit Union (Main Office) | Pittsburgh, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Acba Fed Credit Union (3226)
Using this data
- Acba Fed Credit Union (3226) ranks #4,253 of 4,374 nationally on financial health and #268 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fort Ligonier is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fort Ligonier
Frequently Asked Questions
Is Acba Fed Credit Union (3226) financially healthy?
Acba Fed Credit Union (3226) has a financial health score of 51/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,253 of 4,374 nationally on health and #268 of 275 in Pennsylvania. Its net worth ratio is 14.10% and its delinquency rate 4.54%.
How does Acba Fed Credit Union (3226) compare to other credit unions?
Acba Fed Credit Union (3226) scores 51/100, higher than 3% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (82.26% vs 63.60%). Its widest shortfall is net worth ratio (14.10% vs 19.06%).
How can I join Acba Fed Credit Union (3226)?
Acba Fed Credit Union (3226) carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Acba Fed Credit Union (3226) directly to confirm current membership steps.
Is my money safe at Acba Fed Credit Union (3226)?
Acba Fed Credit Union (3226) 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. Acba Fed Credit Union (3226)'s net worth ratio of 14.10% 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.