Federal credit union · Canonsburg, Pennsylvania · NCUA charter #21956
U.F.C.W. Local 23
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $8.1M
- Total assets
- 1,559
- Members
- 16.5%
- Net-worth ratio
U.F.C.W. Local 23 scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.1M; members 1,559; net-worth ratio 16.47%; health rank #3,247 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,247 of 4,374 health · 2025Q4U.F.C.W. Local 23 · health 75/100 · $8.1M · 2025Q4
- PHOTO 75/100
- BOOK 16.5%
- CHARTER 2.46%
- NCUSIF 1.50%
- CAMELS $8.1M
- HEALTH 1,559
- NW #3,247/4,374
- DELQ n/a
- ROA 21956
Call Report peers
U.F.C.W. Local 23 carries $8.1M 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.
U.F.C.W. Local 23 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
75 24th percentile higher than 24% 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
U.F.C.W. Local 23 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21956. See our deposit-insurance coverage note.
Where U.F.C.W. Local 23 diverges from peer averages
- Largest favorable gap: Return on Assets at 1.50% vs peer 0.45% (+1.04 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.16 pp (55.44% 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.
Where U.F.C.W. Local 23 sits in Pennsylvania
- In Pennsylvania, health place is #200 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #221 of 275.
- Member book place in Pennsylvania: #187 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 U.F.C.W. Local 23
U.F.C.W. Local 23: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $8.1M (2025Q4) to $8.3M (2026Q1).
- Net-worth ratio shifted -0.44 pp (16.91% → 16.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.6 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 12.0 pts
Call Report ratios for U.F.C.W. Local 23
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.47% | -2.59 pp |
| Delinquency Rate | 2.46% | +0.66 pp |
| Return on Assets | 1.50% | +1.04 pp |
| Member Growth | -0.32% | - |
| Loan-to-Share Ratio | 55.44% | -8.16 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).
U.F.C.W. Local 23 quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.3M | - |
| 2025Q4 | $8.1M | 1,559 |
| 2024Q4 | $8.0M | 1,564 |
| 2023Q4 | $8.6M | 1,797 |
Credit Union Details
- Charter Number
- 21956
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Canonsburg
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for U.F.C.W. Local 23.
| Office | City |
|---|---|
| U.F.C.W. Local 23 FCU (Main Office) | Canonsburg, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for U.F.C.W. Local 23, 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 (75/100 here).
Using this data
- U.F.C.W. Local 23 ranks #3,247 of 4,374 nationally on financial health and #200 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Back Mountain is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Back Mountain
- 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 U.F.C.W. Local 23 financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - U.F.C.W. Local 23's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,247 of 4,374; by total assets it ranks #3,665 of 4,374 nationally (same basis as /rankings/largest); and #221 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.47% net worth ratio and 2.46% delinquency rate are the key drivers.
How does U.F.C.W. Local 23 compare to other credit unions?
On PlainCU's health composite, U.F.C.W. Local 23 lands at 75/100, compared to a peer group average for $2M–$10M 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 U.F.C.W. Local 23?
U.F.C.W. Local 23 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 U.F.C.W. Local 23 directly for the exact boundaries and application steps.
Is my money safe at U.F.C.W. Local 23?
Federal credit unions like U.F.C.W. Local 23 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. U.F.C.W. Local 23's net worth ratio of 16.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U.F.C.W. Local 23 offer compared to banks?
Credit unions like U.F.C.W. Local 23 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 U.F.C.W. Local 23 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.