Federal credit union · Philadelphia, Pennsylvania · NCUA charter #18446
Asbestos Workers Local 14
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $4.0M
- Total assets
- 492
- Members
- 14.7%
- Net-worth ratio
Asbestos Workers Local 14 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #18446 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Asbestos Workers Local 14 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)83
- Earnings (ROA)100
- Member growth11
- Liquidity (loan-to-share)52
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.67% | 30% |
| Delinquency Rate | 0.92% | 25% |
| Return on Assets | 0.89% | 15% |
| Member Growth | -4.09% | 15% |
| Loan-to-Share Ratio | 20.75% | 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 | $4.0M | 492 |
| 2024Q4 | $4.1M | 513 |
| 2023Q4 | $4.5M | 542 |
Credit Union Details
- Charter Number
- 18446
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Philadelphia
- Data Quarter
- 2025Q4
What This Data Says About Asbestos Workers Local 14
Charter #18446, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Asbestos Workers Local 14, a federal credit union in Philadelphia, Pennsylvania with 492 members, $4.0M in total assets, and $711K in outstanding loans as of Q4 2025. The five-factor composite scores it 75/100 (Very Good), helped by a net worth ratio of 14.67% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.92% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 20.75% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.89% on net income of $36K 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 -4.09%. 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: Multiple Common Bond). 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
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
- MCKEESPORT AREA PUBLIC SCHOOL EMPMCKEESPORT, PA · $2M–$10M84Health
- KENNAFORDBedford, PA · $2M–$10M50Health
- NEW KENSINGTON MUNICIPALNew Kensington, PA · $2M–$10M91Health
- AVHnatrona heights, PA · $2M–$10M66Health
- SAINT NICHOLASWilkes Barre, PA · $2M–$10M83Health
Compare Asbestos Workers Local 14 vs MCKEESPORT AREA PUBLIC SCHOOL EMP
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 Asbestos Workers Local 14 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Asbestos Workers Local 14 carries a financial health score of 75/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.67% net worth ratio and a 0.92% delinquency rate.
How does Asbestos Workers Local 14 compare to other credit unions?
PlainCU's health composite puts Asbestos Workers Local 14 at 75/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Asbestos Workers Local 14?
Asbestos Workers Local 14 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Asbestos Workers Local 14 directly for the current list of qualifying groups.
Is my money safe at Asbestos Workers Local 14?
Federal credit unions like Asbestos Workers Local 14 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. Asbestos Workers Local 14's net worth ratio of 14.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Asbestos Workers Local 14 offer compared to banks?
Credit unions like Asbestos Workers Local 14 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 Asbestos Workers Local 14 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.