Federal credit union · BEAVER, Pennsylvania · NCUA charter #9476
West Penn P&p
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $21.9M
- Total assets
- 4,421
- Members
- 10.4%
- Net-worth ratio
West Penn P&p - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9476: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
West Penn P&p - 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)62
- Earnings (ROA)100
- Member growth9
- Liquidity (loan-to-share)57
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.39% | 30% |
| Delinquency Rate | 1.61% | 25% |
| Return on Assets | 0.88% | 15% |
| Member Growth | -4.27% | 15% |
| Loan-to-Share Ratio | 27.60% | 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 | $21.9M | 4,421 |
| 2024Q4 | $21.5M | 4,618 |
| 2023Q4 | $22.1M | 4,705 |
Credit Union Details
- Charter Number
- 9476
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- BEAVER
- Data Quarter
- 2025Q4
What This Data Says About West Penn P&p
West Penn P&p is a federal credit union headquartered in BEAVER, Pennsylvania, serving 4,421 members with $21.9M in total assets and $5.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 70/100 (Very Good), anchored by a net worth ratio of 10.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #9476 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 27.60% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.61% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.88% on net income of $192K 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 -4.27%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 West Penn P&p financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, West Penn P&p carries a financial health score of 70/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.39% net worth ratio and a 1.61% delinquency rate.
How does West Penn P&p compare to other credit unions?
On PlainCU's health composite, West Penn P&p lands at 70/100, 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 West Penn P&p?
West Penn P&p 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 West Penn P&p directly for the exact boundaries and application steps.
Is my money safe at West Penn P&p?
Federal credit unions like West Penn P&p 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. West Penn P&p's net worth ratio of 10.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does West Penn P&p offer compared to banks?
Credit unions like West Penn P&p 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 West Penn P&p 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.