Federal credit union · Carnegie, Pennsylvania · NCUA charter #21530
Ukrainian Selfreliance of West. Pa.
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $6.5M
- Total assets
- 809
- Members
- 10.9%
- Net-worth ratio
Ukrainian Selfreliance of West. Pa. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #21530: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Ukrainian Selfreliance of West. Pa. - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)90
- Earnings (ROA)0
- Member growth83
- Liquidity (loan-to-share)100
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.89% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | -0.74% | 15% |
| Member Growth | 2.93% | 15% |
| Loan-to-Share Ratio | 82.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.5M | 809 |
| 2024Q4 | $6.6M | 786 |
| 2023Q4 | $7.2M | 763 |
Credit Union Details
- Charter Number
- 21530
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Carnegie
- Data Quarter
- 2025Q4
What This Data Says About Ukrainian Selfreliance of West. Pa.
Headquartered in Carnegie, Pennsylvania, Ukrainian Selfreliance of West. Pa. is a federal credit union with 809 members, $6.5M in total assets, and $4.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 80/100 (Excellent), driven in part by a net worth ratio of 10.89% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #21530 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.76% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 82.15% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.74% on net income of $-47935 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 2.93%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community/Select Employee Group) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
- JOHNSTOWN SCHOOL EMPLOYEESJOHNSTOWN, PA · $2M–$10M78Health
- U.A.L.U. 354YOUNGWOOD, PA · $2M–$10M78Health
- VALLEY PRIDEKingston, PA · $2M–$10M66Health
- PACE RESOURCESYORK, PA · $2M–$10M84Health
- NORTHWOODPhiladelphia, PA · $2M–$10M65Health
Compare Ukrainian Selfreliance of West. Pa. vs JOHNSTOWN SCHOOL EMPLOYEES
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 Ukrainian Selfreliance of West. Pa. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ukrainian Selfreliance of West. Pa. carries a financial health score of 80/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.89% net worth ratio and a 0.76% delinquency rate.
How does Ukrainian Selfreliance of West. Pa. compare to other credit unions?
On PlainCU's health composite, Ukrainian Selfreliance of West. Pa. lands at 80/100, 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 Ukrainian Selfreliance of West. Pa.?
Ukrainian Selfreliance of West. Pa. 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 Ukrainian Selfreliance of West. Pa. directly for the exact boundaries and application steps.
Is my money safe at Ukrainian Selfreliance of West. Pa.?
Federal credit unions like Ukrainian Selfreliance of West. Pa. 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. Ukrainian Selfreliance of West. Pa.'s net worth ratio of 10.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ukrainian Selfreliance of West. Pa. offer compared to banks?
Credit unions like Ukrainian Selfreliance of West. Pa. 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 Ukrainian Selfreliance of West. Pa. 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.