Federal credit union · Harwick, Pennsylvania · NCUA charter #15234
Cheswick Atomic Division
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $4.8M
- Total assets
- 473
- Members
- 32.6%
- Net-worth ratio
Cheswick Atomic Division scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 473; net-worth ratio 32.60%; health rank #1,177 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,177 of 4,374 health · 2025Q4Cheswick Atomic Division · health 89/100 · $4.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cheswick Atomic Division vs every NCUA-scored credit union
Cheswick Atomic Division sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Cheswick Atomic Division vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +13.54 pp (32.60% vs 19.06%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.17 pp (57.43% vs 63.60%).
Cheswick Atomic Division in Pennsylvania
- In Pennsylvania, health place is #56 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #240 of 275.
- Membership ranks #252 of 275 among Pennsylvania CUs with a reported count (473 members).
- One place up in Pennsylvania, EVERENCE (#55) scores 90/100, 1 point higher; one place down, Steel Strong Community (#57) ties at 89/100.
Cheswick Atomic Division Call Report trajectory
Cheswick Atomic Division: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $4.8M (2025Q4) to $5.0M (2026Q1).
- Net-worth ratio shifted -1.15 pp (33.75% → 32.60%).
At 32.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Cheswick Atomic Division gives up 11 points in total. Delinquency Rate costs the most, 5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.60% | +13.54 pp |
| Delinquency Rate | 1.00% | -0.80 pp |
| Return on Assets | 0.59% | +0.14 pp |
| Member Growth | 2.38% | - |
| Loan-to-Share Ratio | 57.43% | -6.17 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.0M | - |
| 2025Q4 | $4.8M | 473 |
| 2024Q4 | $4.7M | 462 |
| 2023Q4 | $5.6M | 469 |
Credit Union Details
- Charter Number
- 15234
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Harwick
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Cheswick Atomic Division.
| Office | City |
|---|---|
| Office (Main Office) | Cheswick, PA |
| Vital Records | Cheswick, PA |
| Disaster Office | Cheswick, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
- UNIVERSITY OF PENNSYLVANIA STUDENTSPhiladelphia, PA · $2M–$10M53Health
- GREENSBURG TEACHERSGREENSBURG, PA · $2M–$10M51Health
- AVHnatrona heights, PA · $2M–$10M66Health
- PENN-TRAFFORD SCHOOL EMP.Trafford, PA · $2M–$10M87Health
- MULTI-SCHOOLSWampum, PA · $2M–$10M81Health
Compare Cheswick Atomic Division vs UNIVERSITY OF PENNSYLVANIA STUDENTS
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Cheswick Atomic Division ranks #1,177 of 4,374 nationally on financial health and #56 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Pennsylvania Students is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Pennsylvania Students
Frequently Asked Questions
Is Cheswick Atomic Division financially healthy?
Cheswick Atomic Division has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,177 of 4,374 nationally on health and #56 of 275 in Pennsylvania. Its net worth ratio is 32.60% and its delinquency rate 1.00%.
How does Cheswick Atomic Division compare to other credit unions?
Cheswick Atomic Division scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (32.60% vs 19.06%). Its widest shortfall is loan-to-share ratio (57.43% vs 63.60%).
How can I join Cheswick Atomic Division?
Cheswick Atomic Division 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 Cheswick Atomic Division directly for the exact boundaries and application steps.
Is my money safe at Cheswick Atomic Division?
Cheswick Atomic Division 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. Cheswick Atomic Division's net worth ratio of 32.60% 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.