Federal credit union · New Kensington, Pennsylvania · NCUA charter #21140
Western PA
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $22.1M
- Total assets
- 1,243
- Members
- 13.3%
- Net-worth ratio
Western PA scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.1M; members 1,243; net-worth ratio 13.29%; health rank #4,275 of 4,374; healthier than 2nd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,275 of 4,374 health · 2025Q4Western PA · health 50/100 · $22.1M · 2025Q4
- ROA 50/100
- ASSETS 13.3%
- MEM 2.71%
- RANK -1.00%
- PHOTO $22.1M
- BOOK 1,243
- CHARTER #4,275/4,374
- NCUSIF Mopac Employees
- CAMELS 21140
Call Report peers
Western PA in the assets neighbourhood
Western PA's $22.1M assets sit next to Mopac Employees ($22.1M) 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.
Western PA 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
50 2nd percentile higher than 2% 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
Western PA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21140. See our deposit-insurance coverage note.
Peer-gap read for Western PA
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.88 pp (54.92% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Western PA: in-state Call Report ranks
- Health composite ranks #270 of 275 among scored Pennsylvania credit unions.
- Assets rank #166 of 275 inside Pennsylvania ($22.1M reported).
- Membership ranks #205 of 275 among Pennsylvania CUs with a reported count (1,243 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Western PA: 2025Q4 → 2026Q1
Western PA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.3% from $22.1M (2025Q4) to $23.7M (2026Q1).
- Net-worth ratio shifted +0.33 pp (12.96% → 13.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 50/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 50.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.1 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.9 pts
Western PA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.29% | -1.57 pp |
| Delinquency Rate | 2.71% | +1.56 pp |
| Return on Assets | -1.00% | -1.70 pp |
| Member Growth | -5.26% | - |
| Loan-to-Share Ratio | 54.92% | -4.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Western PA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.7M | - |
| 2025Q4 | $22.1M | 1,243 |
| 2024Q4 | $23.3M | 1,312 |
| 2023Q4 | $25.2M | 1,399 |
Credit Union Details
- Charter Number
- 21140
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- New Kensington
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Western PA runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | New Kensington, PA |
| Latrobe Office | Latrobe, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Western PA - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (50/100 here).
Using this data
- Western PA ranks #4,275 of 4,374 nationally on financial health and #270 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- West Penn P&p is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with West Penn P&p
- 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 Western PA financially healthy?
Yes/no aside, the number is 50/100 (Fair) - Western PA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,275 of 4,374; by total assets it ranks #3,079 of 4,374 nationally (same basis as /rankings/largest); and #166 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.29% net worth ratio and 2.71% delinquency rate are the key drivers.
How does Western PA compare to other credit unions?
50/100 is Western PA's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Western PA?
Western 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 Western PA directly for the exact boundaries and application steps.
Is my money safe at Western PA?
Federal credit unions like Western 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. Western PA's net worth ratio of 13.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Western PA offer compared to banks?
Credit unions like Western 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 Western PA 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.