Federal credit union · WEST CHESTER, Pennsylvania · NCUA charter #18234
Steamfitters Phila
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $799K
- Total assets
- 868
- Members
- 14.3%
- Net-worth ratio
Steamfitters Phila scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $799K; members 868; net-worth ratio 14.30%; health rank #914 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#914 of 4,374 health · 2025Q4Steamfitters Phila · health 91/100 · $799K · 2025Q4
- BOOK 91/100
- CHARTER 14.3%
- NCUSIF 0.00%
- CAMELS 1.33%
- HEALTH $799K
- NW 868
- DELQ #914/4,374
- ROA n/a
- ASSETS 18234
Call Report peers
Steamfitters Phila carries $799K 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.
Steamfitters Phila 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
91 Top 23% higher than 77% 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
Steamfitters Phila - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #18234: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Steamfitters Phila: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 89.76% here, 52.70% peer average (+37.06 pp).
- Largest lag: Net Worth Ratio at 14.30% vs peer 22.93% (-8.63 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Steamfitters Phila in Pennsylvania
- Pennsylvania health ordinal: #42 of 275.
- Pennsylvania assets place: #265 of 275.
- Membership ranks #224 of 275 among Pennsylvania CUs with a reported count (868 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Steamfitters Phila Call Report trajectory
Steamfitters Phila: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $799K (2025Q4) to $793K (2026Q1).
- Net-worth ratio shifted +0.31 pp (13.99% → 14.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 15.5 pts
Steamfitters Phila health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.30% | -8.63 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 1.33% | +1.10 pp |
| Member Growth | -1.92% | - |
| Loan-to-Share Ratio | 89.76% | +37.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $793K | - |
| 2025Q4 | $799K | 868 |
| 2024Q4 | $881K | 885 |
| 2023Q4 | $1.1M | 903 |
Credit Union Details
- Charter Number
- 18234
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Pennsylvania
- City
- WEST CHESTER
- Data Quarter
- 2025Q4
Branch Location
Steamfitters Phila operates a single office in WEST CHESTER, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SPFCU (Main Office) | WEST CHESTER, 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.
Other-state peers near Steamfitters Phila
Steamfitters Phila's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Steamfitters Phila ranks #914 of 4,374 nationally on financial health and #42 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Life is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Life
- 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 Steamfitters Phila financially healthy?
Steamfitters Phila scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #914 of 4,374; by total assets it ranks #4,261 of 4,374 nationally (same basis as /rankings/largest); and #265 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.30% net worth ratio and a 0.00% delinquency rate.
How does Steamfitters Phila compare to other credit unions?
PlainCU's health composite puts Steamfitters Phila at 91/100, compared to a peer group average for Under $2M 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 Steamfitters Phila?
Steamfitters Phila 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 Steamfitters Phila directly for the current list of qualifying groups.
Is my money safe at Steamfitters Phila?
Federal credit unions like Steamfitters Phila 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. Steamfitters Phila's net worth ratio of 14.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Steamfitters Phila offer compared to banks?
Credit unions like Steamfitters Phila 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 Steamfitters Phila 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.