Federal credit union · PITTSBURGH, Pennsylvania · NCUA charter #4756
Allegheny Valley
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $10.7M
- Total assets
- 828
- Members
- 31.3%
- Net-worth ratio
Allegheny Valley - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4756 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Allegheny Valley - 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)100
- Earnings (ROA)13
- Member growth0
- Liquidity (loan-to-share)57
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 31.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 31.32% | 30% |
| Delinquency Rate | 0.08% | 25% |
| Return on Assets | -0.28% | 15% |
| Member Growth | -5.05% | 15% |
| Loan-to-Share Ratio | 28.48% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.7M | 828 |
| 2024Q4 | $10.9M | 872 |
| 2023Q4 | $11.2M | 930 |
Credit Union Details
- Charter Number
- 4756
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- PITTSBURGH
- Data Quarter
- 2025Q4
What This Data Says About Allegheny Valley
Headquartered in PITTSBURGH, Pennsylvania, Allegheny Valley is a federal credit union with 828 members, $10.7M in total assets, and $2.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 66/100 (Good), driven in part by a net worth ratio of 31.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #4756 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.08% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 28.48% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.28% on net income of $-30130 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 -5.05%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Allegheny Valley financially healthy?
Yes/no aside, the number is 66/100 (Good) - Allegheny Valley's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 31.32% net worth ratio and 0.08% delinquency rate are the key drivers.
How does Allegheny Valley compare to other credit unions?
Five weighted metrics from NCUA filings produce Allegheny Valley's 66/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Allegheny Valley?
Allegheny Valley 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 Allegheny Valley directly for the exact boundaries and application steps.
Is my money safe at Allegheny Valley?
Federal credit unions like Allegheny Valley 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. Allegheny Valley's net worth ratio of 31.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Allegheny Valley offer compared to banks?
Credit unions like Allegheny Valley 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 Allegheny Valley 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.