Federal credit union · Cranberry Twp, Pennsylvania · NCUA charter #2740
USX
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $252.4M
- Total assets
- 19,234
- Members
- 12.3%
- Net-worth ratio
USX scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $252.4M; members 19,234; net-worth ratio 12.31%; health rank #2,860 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,860 of 4,374 health · 2025Q4USX · health 79/100 · $252.4M · 2025Q4
- MEM 79/100
- RANK 12.3%
- PHOTO 0.34%
- BOOK -0.08%
- CHARTER $252.4M
- NCUSIF 19,234
- CAMELS #2,860/4,374
- HEALTH North Jersey
- NW 2740
Call Report peers
USX in the assets neighbourhood
USX's $252.4M assets sit next to North Jersey ($252.6M) 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.
USX 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
79 33rd percentile higher than 33% 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
USX - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #2740. See our deposit-insurance coverage note.
USX: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.34% vs peer 0.89% (-0.55 pp).
- Largest lag: Loan-to-Share Ratio at 61.33% vs peer 72.20% (-10.87 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
USX in Pennsylvania
- In Pennsylvania, health place is #168 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #41 of 275.
- Pennsylvania membership ordinal: #34 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.
How USX's 5300 filing moved
USX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $252.4M (2025Q4) to $260.3M (2026Q1).
- Net-worth ratio shifted -0.30 pp (12.61% → 12.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.8 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 12.7 pts
USX health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.31% | +0.20 pp |
| Delinquency Rate | 0.34% | -0.55 pp |
| Return on Assets | -0.08% | -0.70 pp |
| Member Growth | -0.82% | - |
| Loan-to-Share Ratio | 61.33% | -10.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
USX quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $260.3M | - |
| 2025Q4 | $252.4M | 19,234 |
| 2024Q4 | $252.1M | 19,394 |
| 2023Q4 | $258.4M | 20,654 |
Credit Union Details
- Charter Number
- 2740
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Cranberry Twp
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, USX runs 9 offices in 8 different cities across 2 states.
| Office | City |
|---|---|
| Cranberry (Main Office) | Cranberry Twp, PA |
| Marathon | Findlay, OH |
| Findlay | Findlay, OH |
| Greensburg Office | Greensburg, PA |
| Jefferson Regional Medical Center | Jefferson Hills, PA |
| Monaca Office | Monaca, PA |
| Monroeville | Monroeville, PA |
| New Stanton | New Stanton, PA |
| Saxonburg/Sarver | Sarver, 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.
USX nationwide neighbourhoods
Two NCUA Call Report peer sets for USX, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($252.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- USX ranks #2,860 of 4,374 nationally on financial health and #168 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Top Tier is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Top Tier
- 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 USX financially healthy?
A 12.31% net worth ratio and a 0.34% delinquency rate feed into USX's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,860 of 4,374; by total assets it ranks #1,135 of 4,374 nationally (same basis as /rankings/largest); and #41 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does USX compare to other credit unions?
USX scores 79/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 USX?
USX 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 USX directly for the exact boundaries and application steps.
Is my money safe at USX?
Federal credit unions like USX 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. USX's net worth ratio of 12.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does USX offer compared to banks?
Credit unions like USX 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 USX 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.