Federal credit union · Pittsburgh, Pennsylvania · NCUA charter #3226
Acba Fed Credit Union (3226)
Health score 51/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $3.0M
- Total assets
- 979
- Members
- 12.7%
- Net-worth ratio
Acba Fed Credit Union (3226) - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3226, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Acba Fed Credit Union (3226) - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth38
- Liquidity (loan-to-share)100
Weighted composite: 51/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.69% | 30% |
| Delinquency Rate | 4.54% | 25% |
| Return on Assets | -2.19% | 15% |
| Member Growth | -1.81% | 15% |
| Loan-to-Share Ratio | 82.26% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Acba Fed Credit Union (3226)
The five-factor composite scores Acba Fed Credit Union (3226) at 51/100 (Fair), reflecting a net worth ratio of 12.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Pittsburgh, Pennsylvania, reports 979 members, $3.0M in total assets, and $2.1M in outstanding loans as of Q4 2025 under charter #3226 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Two more numbers round out the picture: a 4.54% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 82.26% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -2.19% on net income of $-66769 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.81%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Acba Fed Credit Union (3226) financially healthy?
A 12.69% net worth ratio and a 4.54% delinquency rate feed into Acba Fed Credit Union (3226)'s financial health score of 51/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Acba Fed Credit Union (3226) compare to other credit unions?
On PlainCU's health composite, Acba Fed Credit Union (3226) lands at 51/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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)?
Federal credit unions like Acba Fed Credit Union (3226) are 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 12.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Acba Fed Credit Union (3226) offer compared to banks?
Credit unions like Acba Fed Credit Union (3226) are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Acba Fed Credit Union (3226) directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.