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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,732 of 4,374 health · 2025Q4Pennsylvania-American Water · health 80/100 · $12.1M · 2025Q4
- ASSETS 80/100
- MEM 12.7%
- RANK 0.19%
- PHOTO 0.45%
- BOOK $12.1M
- CHARTER 1,358
- NCUSIF #2,732/4,374
- CAMELS Anco Community
- HEALTH 21556
Call Report peers
Pennsylvania-American Water in the assets neighbourhood
Pennsylvania-American Water's $12.1M assets sit next to Anco Community ($12.1M) 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.
Pennsylvania-American Water 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
80 36th percentile higher than 36% 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
Pennsylvania-American Water - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21556. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Pennsylvania-American Water: 2025Q4 → 2026Q1
Pennsylvania-American Water: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $12.1M (2025Q4) to $12.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (12.86% → 12.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
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 - 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
Two NCUA Call Report peer sets for Pennsylvania-American Water, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- 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 Pennsylvania-American Water financially healthy?
Pennsylvania-American Water has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,732 of 4,374; by total assets it ranks #3,456 of 4,374 nationally (same basis as /rankings/largest); and #204 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.72% and delinquency rate of 0.19%.
How does Pennsylvania-American Water compare to other credit unions?
Five weighted metrics from NCUA filings produce Pennsylvania-American Water's 80/100 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 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?
Federal credit unions like Pennsylvania-American Water 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. Pennsylvania-American Water's net worth ratio of 12.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pennsylvania-American Water offer compared to banks?
Credit unions like Pennsylvania-American Water 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 Pennsylvania-American Water 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.