Federal credit union · Bethel Park, Pennsylvania · NCUA charter #21556
Pennsylvania-American Water
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $12.1M
- Total assets
- 1,358
- Members
- 12.7%
- Net-worth ratio
Pennsylvania-American Water scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.1M; members 1,358; net-worth ratio 12.72%; health rank #2,732 of 4,374; healthier than 36th of scored peers.
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NCUA 5300 Call Report Masthead
#2,732 of 4,374 health · 2025Q4Pennsylvania-American Water · health 80/100 · $12.1M · 2025Q4
Call Report peers
Pennsylvania-American Water in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pennsylvania-American Water vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pennsylvania-American Water sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Pennsylvania-American Water vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.95 pp (0.19% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 40.82% vs peer 59.80% (-18.98 pp).
Where Pennsylvania-American Water sits in Pennsylvania
- Health composite ranks #154 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #204 of 275.
- Member book place in Pennsylvania: #197 of 275.
- One place up in Pennsylvania, United Community (#153) ties at 80/100; one place down, Your Choice (#155) ties at 80/100.
Pennsylvania-American Water: 2025Q4 → 2026Q1
Pennsylvania-American Water: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $12.1M (2025Q4) to $12.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (12.86% → 12.72%).
12.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Pennsylvania-American Water gives up 20 points in total. Member Growth costs the most, 14.1 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.3 pts
- Member Growth 0.9 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for Pennsylvania-American Water
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.72% | -2.14 pp |
| Delinquency Rate | 0.19% | -0.95 pp |
| Return on Assets | 0.45% | -0.25 pp |
| Member Growth | -4.50% | - |
| Loan-to-Share Ratio | 40.82% | -18.98 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Pennsylvania-American Water
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.1M | - |
| 2025Q4 | $12.1M | 1,358 |
| 2024Q4 | $12.9M | 1,422 |
| 2023Q4 | $14.3M | 1,474 |
Credit Union Details
- Charter Number
- 21556
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Bethel Park
- Data Quarter
- 2025Q4
Branch Location
Pennsylvania-American Water operates a single office in Bethel Park, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pennsylvania-American Water FCU (Main Office) | Bethel Park, 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.
Nationwide credit unions with similar profiles
Using this data
- Pennsylvania-American Water ranks #2,732 of 4,374 nationally on financial health and #154 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WABELLCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WABELLCO
Frequently Asked Questions
Is Pennsylvania-American Water financially healthy?
Pennsylvania-American Water has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,732 of 4,374 nationally on health and #154 of 275 in Pennsylvania. Its net worth ratio is 12.72% and its delinquency rate 0.19%.
How does Pennsylvania-American Water compare to other credit unions?
Pennsylvania-American Water scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.19% vs 1.15%). Its widest shortfall is loan-to-share ratio (40.82% vs 59.80%).
How can I join Pennsylvania-American Water?
Pennsylvania-American Water 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 Pennsylvania-American Water directly for the exact boundaries and application steps.
Is my money safe at Pennsylvania-American Water?
Pennsylvania-American Water 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. Pennsylvania-American Water's net worth ratio of 12.72% 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.