Federal credit union · WEST CHESTER, Pennsylvania · NCUA charter #18234
Steamfitters Phila
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $799K
- Total assets
- 868
- Members
- 14.0%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth37
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.99% 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 | 13.99% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.33% | 15% |
| Member Growth | -1.92% | 15% |
| Loan-to-Share Ratio | 89.76% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Steamfitters Phila
The five-factor composite scores Steamfitters Phila at 91/100 (Excellent), reflecting a net worth ratio of 13.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in WEST CHESTER, Pennsylvania, reports 868 members, $799K in total assets, and $617K in outstanding loans as of Q4 2025 under charter #18234 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 89.76% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.33% on net income of $11K 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 -1.92%. 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
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
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 Steamfitters Phila financially healthy?
Steamfitters Phila scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.99% 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 13.99% 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.
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.