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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,253 of 4,374 health · 2025Q4Acba Fed Credit Union (3226) · health 51/100 · $3.0M · 2025Q4
- CAMELS 51/100
- HEALTH 14.1%
- NW 4.54%
- DELQ -2.19%
- ROA $3.0M
- ASSETS 979
- MEM #4,253/4,374
- RANK n/a
- PHOTO 3226
Call Report peers
Acba Fed Credit Union (3226) carries $3.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Acba Fed Credit Union (3226) vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Acba Fed Credit Union (3226)'s 5300 filing moved
Acba Fed Credit Union (3226): total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $3.0M (2025Q4) to $3.1M (2026Q1).
- Net-worth ratio shifted -1.24 pp (15.34% → 14.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 51.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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)
Acba Fed Credit Union (3226)'s nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (51/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Acba Fed Credit Union (3226) financially healthy?
A 14.10% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,253 of 4,374; by total assets it ranks #4,043 of 4,374 nationally (same basis as /rankings/largest); and #252 of 275 within Pennsylvania. 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 14.10% 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.
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.