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 · 2025Q4

Westmoreland Water · health 87/100 · $23.5M · 2025Q4

Westmoreland Water in the assets neighbourhood

STRATEGIC$23.5MTEE-PAK$23.5MRockford Municipal Employees$23.5MWestmoreland Water (this)$23.5MMID-STATE$23.5MEmployees Choice$23.4M
Nearest other-state credit unions by total assets (NCUA 5300)

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Westmoreland Water vs every NCUA-scored credit union

Westmoreland Water sits in the busiest band, 85-89, alongside 857 other credit unions.

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

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%).

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).
  • One place up in Pennsylvania, Penn-Trafford School Emp. (#73) ties at 87/100; one place down, Police & Fire (#75) ties at 87/100.

Quarter path for Westmoreland Water

Westmoreland Water: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

21,500,00022,000,00022,500,00023,000,00023,500,00024,000,000 2023Q42024Q42025Q42026Q1 22,092,492 23,369,035 ▲ +5.8%
  • Assets moved -0.4% from $23.5M (2025Q4) to $23.4M (2026Q1).
  • Net-worth ratio shifted +0.50 pp (18.01% → 18.51%).
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

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

Westmoreland Water gives up 13 points in total. Member Growth costs the most, 7.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.

  • 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

Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.

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.

Compare Westmoreland Water vs ALLEGHENY LUDLUM BRACKENRIDGE

Other-state peers near Westmoreland Water

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

Frequently Asked Questions

Is Westmoreland Water financially healthy?

On its 2025Q4 NCUA 5300 filing, Westmoreland Water scores 87/100 (Excellent), with a 18.51% net worth ratio and 0.00% of loans delinquent. It ranks #1,573 of 4,374 nationally on health and #74 of 275 in Pennsylvania.

How does Westmoreland Water compare to other credit unions?

Westmoreland Water scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.51% vs 14.86%). Its widest shortfall is loan-to-share ratio (34.08% vs 59.80%).

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?

Westmoreland Water 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. Westmoreland Water's net worth ratio of 18.51% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for Westmoreland Water. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.