Federal credit union · Pittsburgh, Pennsylvania · NCUA charter #5028
EQT
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $27.7M
- Total assets
- 876
- Members
- 17.2%
- Net-worth ratio
EQT scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.7M; members 876; net-worth ratio 17.16%; health rank #3,811 of 4,374; healthier than 12th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,811 of 4,374 health · 2025Q4EQT · health 66/100 · $27.7M · 2025Q4
- BOOK 66/100
- CHARTER 17.2%
- NCUSIF 0.94%
- CAMELS 0.11%
- HEALTH $27.7M
- NW 876
- DELQ #3,811/4,374
- ROA Emerald Empire
- ASSETS 5028
Call Report peers
EQT in the assets neighbourhood
EQT's $27.7M assets sit next to Emerald Empire ($27.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EQT 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
66 12th percentile higher than 12% 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
EQT - Share Insurance Coverage
Charter #5028's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
EQT vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 17.16% vs peer 14.86% (+2.30 pp).
- Loan-to-Share Ratio trails the peer set - 8.60% here, 59.80% peer average (-51.20 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where EQT sits in Pennsylvania
- Health composite ranks #238 of 275 among scored Pennsylvania credit unions.
- By total assets, EQT is #156 of 275 in Pennsylvania.
- Membership ranks #223 of 275 among Pennsylvania CUs with a reported count (876 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 EQT's 5300 filing moved
EQT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $27.7M (2025Q4) to $28.4M (2026Q1).
- Net-worth ratio shifted -0.41 pp (17.57% → 17.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 17.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 9.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 6.3 pts
EQT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.16% | +2.30 pp |
| Delinquency Rate | 0.94% | -0.20 pp |
| Return on Assets | 0.11% | -0.60 pp |
| Member Growth | -6.21% | - |
| Loan-to-Share Ratio | 8.60% | -51.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - EQT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.4M | - |
| 2025Q4 | $27.7M | 876 |
| 2024Q4 | $29.6M | 934 |
| 2023Q4 | $33.8M | 977 |
Credit Union Details
- Charter Number
- 5028
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Pittsburgh
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, EQT runs one office.
| Office | City |
|---|---|
| EQT FCU (Main Office) | Pittsburgh, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
EQT's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- EQT ranks #3,811 of 4,374 nationally on financial health and #238 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PENLANCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PENLANCO
- 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 EQT financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, EQT carries a financial health score of 66/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,811 of 4,374; by total assets it ranks #2,918 of 4,374 nationally (same basis as /rankings/largest); and #156 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.16% net worth ratio and a 0.94% delinquency rate.
How does EQT compare to other credit unions?
66/100 is EQT's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 EQT?
EQT 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 EQT directly for the exact boundaries and application steps.
Is my money safe at EQT?
Federal credit unions like EQT 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. EQT's net worth ratio of 17.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EQT offer compared to banks?
Credit unions like EQT 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 EQT 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.