Federal credit union · Pittsburgh, Pennsylvania · NCUA charter #1239
Pittsburgh City Hall Employees
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $57.8M
- Total assets
- 2,627
- Members
- 8.8%
- Net-worth ratio
Pittsburgh City Hall Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1239. See our deposit-insurance coverage note.
Pittsburgh City Hall Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)90
- Asset quality (delinquency)90
- Earnings (ROA)0
- Member growth42
- Liquidity (loan-to-share)63
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.84% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | -0.92% | 15% |
| Member Growth | -1.46% | 15% |
| Loan-to-Share Ratio | 37.62% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $57.8M | 2,627 |
| 2024Q4 | $57.6M | 2,666 |
| 2023Q4 | $54.1M | 2,674 |
Credit Union Details
- Charter Number
- 1239
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Pittsburgh
- Data Quarter
- 2025Q4
What This Data Says About Pittsburgh City Hall Employees
Charter #1239, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Pittsburgh City Hall Employees, a federal credit union in Pittsburgh, Pennsylvania with 2,627 members, $57.8M in total assets, and $21.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 65/100 (Good), helped by a net worth ratio of 8.84% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.76% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 37.62% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.92% on net income of $-533743 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 -1.46%. 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
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
- MORRISONS COVE 1STROARING SPRING, PA · $50M–$100M86Health
- MERHOJOHNSTOWN, PA · $50M–$100M88Health
- PENNSTARHermitage, PA · $50M–$100M81Health
- WYOMING VALLEY EDUCATIONAL EMPLWilkes Barre, PA · $50M–$100M76Health
- PENNPhiladelphia, PA · $50M–$100M68Health
Compare Pittsburgh City Hall Employees vs MORRISONS COVE 1ST
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 Pittsburgh City Hall Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Pittsburgh City Hall Employees carries a financial health score of 65/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.84% net worth ratio and a 0.76% delinquency rate.
How does Pittsburgh City Hall Employees compare to other credit unions?
PlainCU's health composite puts Pittsburgh City Hall Employees at 65/100, compared to a peer group average for $50M–$100M 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 Pittsburgh City Hall Employees?
Pittsburgh City Hall Employees 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 Pittsburgh City Hall Employees directly for the current list of qualifying groups.
Is my money safe at Pittsburgh City Hall Employees?
Federal credit unions like Pittsburgh City Hall Employees 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. Pittsburgh City Hall Employees's net worth ratio of 8.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pittsburgh City Hall Employees offer compared to banks?
Credit unions like Pittsburgh City Hall Employees 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 Pittsburgh City Hall Employees 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.