Federal credit union · Greensburg, Pennsylvania · NCUA charter #9042
Westmoreland Water
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $23.5M
- Total assets
- 1,528
- Members
- 18.5%
- Net-worth ratio
Westmoreland Water scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.5M; members 1,528; net-worth ratio 18.51%; health rank #1,573 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,573 of 4,374 health · 2025Q4Westmoreland Water · health 87/100 · $23.5M · 2025Q4
- PHOTO 87/100
- BOOK 18.5%
- CHARTER 0.00%
- NCUSIF 1.70%
- CAMELS $23.5M
- HEALTH 1,528
- NW #1,573/4,374
- DELQ Rockford Municipal Employees
- ROA 9042
Call Report peers
Westmoreland Water in the assets neighbourhood
Westmoreland Water's $23.5M assets sit next to Rockford Municipal Employees ($23.5M) 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.
Westmoreland Water 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
87 Top 40% higher than 60% 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
Westmoreland Water - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9042: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Westmoreland Water diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +3.65 pp (18.51% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -25.72 pp (34.08% 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.
Westmoreland Water in Pennsylvania
- In Pennsylvania, health place is #74 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #164 of 275.
- Membership ranks #188 of 275 among Pennsylvania CUs with a reported count (1,528 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.
Quarter path for Westmoreland Water
Westmoreland Water: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $23.5M (2025Q4) to $23.4M (2026Q1).
- Net-worth ratio shifted +0.50 pp (18.01% → 18.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 9.4 pts
Westmoreland Water health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.51% | +3.65 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.70% | +0.99 pp |
| Member Growth | -0.78% | - |
| Loan-to-Share Ratio | 34.08% | -25.72 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).
Westmoreland Water filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.4M | - |
| 2025Q4 | $23.5M | 1,528 |
| 2024Q4 | $23.1M | 1,540 |
| 2023Q4 | $22.1M | 1,547 |
Credit Union Details
- Charter Number
- 9042
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Greensburg
- Data Quarter
- 2025Q4
Branch Location
Westmoreland Water operates a single office in Greensburg, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main office (Main Office) | Greensburg, 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.
Other-state peers near Westmoreland Water
Cross-state asset and health neighbours for Westmoreland Water - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($23.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Westmoreland Water ranks #1,573 of 4,374 nationally on financial health and #74 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Allegheny Ludlum Brackenridge is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Allegheny Ludlum Brackenridge
- 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 Westmoreland Water financially healthy?
A 18.51% net worth ratio and a 0.00% delinquency rate feed into Westmoreland Water's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,573 of 4,374; by total assets it ranks #3,039 of 4,374 nationally (same basis as /rankings/largest); and #164 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Westmoreland Water compare to other credit unions?
On PlainCU's health composite, Westmoreland Water lands at 87/100, 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 Westmoreland Water?
Westmoreland Water 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 Westmoreland Water directly for the exact boundaries and application steps.
Is my money safe at Westmoreland Water?
Federal credit unions like Westmoreland Water 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. Westmoreland Water's net worth ratio of 18.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Westmoreland Water offer compared to banks?
Credit unions like Westmoreland Water 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 Westmoreland Water 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.