Federal credit union · Carnegie, Pennsylvania · NCUA charter #3278
Southwest Communities
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $18.9M
- Total assets
- 1,865
- Members
- 10.0%
- Net-worth ratio
Southwest Communities scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.9M; members 1,865; net-worth ratio 9.98%; health rank #2,634 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,634 of 4,374 health · 2025Q4Southwest Communities · health 81/100 · $18.9M · 2025Q4
Call Report peers
Southwest Communities in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southwest Communities vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southwest Communities sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Southwest Communities
- Largest favorable gap: Delinquency Rate at 0.71% vs peer 1.15% (-0.43 pp).
- Largest lag: Loan-to-Share Ratio at 36.61% vs peer 59.80% (-23.19 pp).
Where Southwest Communities sits in Pennsylvania
- Pennsylvania health ordinal: #147 of 275.
- Assets rank #175 of 275 inside Pennsylvania ($18.9M reported).
- Membership ranks #166 of 275 among Pennsylvania CUs with a reported count (1,865 members).
- One place up in Pennsylvania, NEWELL (#146) ties at 81/100; one place down, Cross Valley (#148) ties at 81/100.
Southwest Communities: 2025Q4 → 2026Q1
Southwest Communities: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $18.9M (2025Q4) to $19.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.07% → 9.98%).
At 9.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Southwest Communities gives up 19 points in total. Member Growth costs the most, 11 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 9.1 pts
Southwest Communities health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -4.88 pp |
| Delinquency Rate | 0.71% | -0.43 pp |
| Return on Assets | 0.66% | -0.04 pp |
| Member Growth | -2.76% | - |
| Loan-to-Share Ratio | 36.61% | -23.19 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Southwest Communities filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.0M | - |
| 2025Q4 | $18.9M | 1,865 |
| 2024Q4 | $18.5M | 1,918 |
| 2023Q4 | $19.3M | 2,016 |
Credit Union Details
- Charter Number
- 3278
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Carnegie
- Data Quarter
- 2025Q4
Branch Location
Southwest Communities operates a single office in Carnegie, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Carnegie, 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 Southwest Communities
Similar total assets
Using this data
- Southwest Communities ranks #2,634 of 4,374 nationally on financial health and #147 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAL-ED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAL-ED
Frequently Asked Questions
Is Southwest Communities financially healthy?
Southwest Communities has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,634 of 4,374 nationally on health and #147 of 275 in Pennsylvania. Its net worth ratio is 9.98% and its delinquency rate 0.71%.
How does Southwest Communities compare to other credit unions?
Southwest Communities scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.71% vs 1.15%). Its widest shortfall is loan-to-share ratio (36.61% vs 59.80%).
How can I join Southwest Communities?
Southwest Communities 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 Southwest Communities directly for the exact boundaries and application steps.
Is my money safe at Southwest Communities?
Southwest Communities 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. Southwest Communities's net worth ratio of 9.98% 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.