Federal credit union · Pittsburgh, Pennsylvania · NCUA charter #9479
Va Pittsburgh Employees
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $26.1M
- Total assets
- 2,887
- Members
- 16.4%
- Net-worth ratio
Va Pittsburgh Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9479: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Va Pittsburgh Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)58
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.37% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | 2.04% | 15% |
| Member Growth | -5.81% | 15% |
| Loan-to-Share Ratio | 29.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $26.1M | 2,887 |
| 2024Q4 | $25.7M | 3,065 |
| 2023Q4 | $25.4M | 3,184 |
Credit Union Details
- Charter Number
- 9479
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Pittsburgh
- Data Quarter
- 2025Q4
What This Data Says About Va Pittsburgh Employees
Charter #9479, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Va Pittsburgh Employees, a federal credit union in Pittsburgh, Pennsylvania with 2,887 members, $26.1M in total assets, and $6.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 79/100 (Very Good), helped by a net worth ratio of 16.37% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.07% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 29.90% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.04% on net income of $532K 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 -5.81%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
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 Va Pittsburgh Employees financially healthy?
A 16.37% net worth ratio and a 0.07% delinquency rate feed into Va Pittsburgh Employees's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Va Pittsburgh Employees compare to other credit unions?
On PlainCU's health composite, Va Pittsburgh Employees lands at 79/100, 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 Va Pittsburgh Employees?
Va Pittsburgh Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Va Pittsburgh Employees directly for the current list of qualifying groups.
Is my money safe at Va Pittsburgh Employees?
Federal credit unions like Va Pittsburgh Employees 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. Va Pittsburgh Employees's net worth ratio of 16.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Va Pittsburgh Employees offer compared to banks?
Credit unions like Va Pittsburgh Employees 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 Va Pittsburgh Employees 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.