Federal credit union · Elizabeth, Pennsylvania · NCUA charter #4828
Steel Strong Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $32.0M
- Total assets
- 2,345
- Members
- 24.4%
- Net-worth ratio
Steel Strong Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.0M; members 2,345; net-worth ratio 24.41%; health rank #1,181 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,181 of 4,374 health · 2025Q4Steel Strong Community · health 89/100 · $32.0M · 2025Q4
- RANK 89/100
- PHOTO 24.4%
- BOOK 1.15%
- CHARTER 0.86%
- NCUSIF $32.0M
- CAMELS 2,345
- HEALTH #1,181/4,374
- NW Sunflower Community
- DELQ 4828
Call Report peers
Steel Strong Community in the assets neighbourhood
Steel Strong Community's $32.0M assets sit next to Sunflower Community ($32.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Steel Strong Community 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
89 Top 31% higher than 69% 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
Steel Strong Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4828. See our deposit-insurance coverage note.
Steel Strong Community vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +9.55 pp (24.41% vs 14.86%).
- Largest lag: Delinquency Rate at 1.15% vs peer 1.15% (+0.01 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Steel Strong Community in Pennsylvania
- In Pennsylvania, health place is #57 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Steel Strong Community is #150 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #153 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.
Steel Strong Community Call Report trajectory
Steel Strong Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $32.0M (2025Q4) to $32.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (24.58% → 24.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 24.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.41% | +9.55 pp |
| Delinquency Rate | 1.15% | +0.01 pp |
| Return on Assets | 0.86% | +0.16 pp |
| Member Growth | 1.52% | - |
| Loan-to-Share Ratio | 68.79% | +8.99 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Steel Strong Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.8M | - |
| 2025Q4 | $32.0M | 2,345 |
| 2024Q4 | $32.4M | 2,310 |
| 2023Q4 | $32.8M | 2,261 |
Credit Union Details
- Charter Number
- 4828
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Elizabeth
- Data Quarter
- 2025Q4
Branch Locations (4)
Steel Strong Community operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Steel Strong Community Federal Credit Union (Main Office) | West Mifflin, PA |
| Clairton Works Federal CU | Elizabeth, PA |
| Steel Strong Community Federal Credit Union - Elizabeth Office | Elizabeth, PA |
| United Community FCU | West Mifflin, 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.
Steel Strong Community nationwide neighbourhoods
Steel Strong Community's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($32.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Steel Strong Community ranks #1,181 of 4,374 nationally on financial health and #57 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lehigh County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lehigh County Employees
- 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 Steel Strong Community financially healthy?
A 24.41% net worth ratio and a 1.15% delinquency rate feed into Steel Strong Community's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,181 of 4,374; by total assets it ranks #2,799 of 4,374 nationally (same basis as /rankings/largest); and #150 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Steel Strong Community compare to other credit unions?
On PlainCU's health composite, Steel Strong Community lands at 89/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Steel Strong Community?
Steel Strong Community 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 Steel Strong Community directly for the exact boundaries and application steps.
Is my money safe at Steel Strong Community?
Federal credit unions like Steel Strong Community 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. Steel Strong Community's net worth ratio of 24.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Steel Strong Community offer compared to banks?
Credit unions like Steel Strong Community 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 Steel Strong Community 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.