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
Call Report peers
USX in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); USX sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Pennsylvania, P C (#167) ties at 79/100; one place down, VASCO (#169) ties at 79/100.
How USX's 5300 filing moved
USX: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $252.4M (2025Q4) to $260.3M (2026Q1).
- Net-worth ratio shifted -0.30 pp (12.61% → 12.31%).
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
USX gives up 21 points in total. Return on Assets costs the most, 11.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is USX financially healthy?
USX has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,860 of 4,374 nationally on health and #168 of 275 in Pennsylvania. Its net worth ratio is 12.31% and its delinquency rate 0.34%.
How does USX compare to other credit unions?
USX scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.34% vs 0.89%). Its widest shortfall is loan-to-share ratio (61.33% vs 72.20%).
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?
USX is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.