Federal credit union · Pittsburgh, Pennsylvania · NCUA charter #17371
SMMH
Health score 46/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $3.1M
- Total assets
- 756
- Members
- 23.2%
- Net-worth ratio
SMMH scores 46/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 756; net-worth ratio 23.20%; health rank #4,303 of 4,374; healthier than 1st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,303 of 4,374 health · 2025Q4SMMH · health 46/100 · $3.1M · 2025Q4
- BOOK 46/100
- CHARTER 23.2%
- NCUSIF 3.23%
- CAMELS -0.31%
- HEALTH $3.1M
- NW 756
- DELQ #4,303/4,374
- ROA n/a
- ASSETS 17371
Call Report peers
SMMH carries $3.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SMMH 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
46 1st percentile higher than 1% 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
SMMH - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17371, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
SMMH vs $2M–$10M peers
- Largest favorable gap: Net Worth Ratio at 23.20% vs peer 19.06% (+4.14 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.28 pp (37.32% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for SMMH
- In Pennsylvania, health place is #271 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, SMMH is #249 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #234 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.
Quarter path for SMMH
SMMH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $3.1M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted -0.81 pp (24.01% → 23.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 23.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 46/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 46.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 4.8 pts
- Return on Assets 1.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.5 pts
SMMH health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.20% | +4.14 pp |
| Delinquency Rate | 3.23% | +1.42 pp |
| Return on Assets | -0.31% | -0.76 pp |
| Member Growth | -6.55% | - |
| Loan-to-Share Ratio | 37.32% | -26.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
SMMH filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.3M | - |
| 2025Q4 | $3.1M | 756 |
| 2024Q4 | $3.3M | 809 |
| 2023Q4 | $3.9M | 861 |
Credit Union Details
- Charter Number
- 17371
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Pittsburgh
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for SMMH.
| Office | City |
|---|---|
| SMMH (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.
Cross-state Call Report peers for SMMH
Two NCUA Call Report peer sets for SMMH, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (46/100 here).
Using this data
- SMMH ranks #4,303 of 4,374 nationally on financial health and #271 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- B I is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with B I
- 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 SMMH financially healthy?
A 23.20% net worth ratio and a 3.23% delinquency rate feed into SMMH's financial health score of 46/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,303 of 4,374; by total assets it ranks #4,030 of 4,374 nationally (same basis as /rankings/largest); and #249 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SMMH compare to other credit unions?
SMMH scores 46/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 SMMH?
SMMH 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 SMMH directly for the exact boundaries and application steps.
Is my money safe at SMMH?
Federal credit unions like SMMH 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. SMMH's net worth ratio of 23.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SMMH offer compared to banks?
Credit unions like SMMH 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 SMMH 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.