Federal credit union · Greensburg, Pennsylvania · NCUA charter #9042
Westmoreland Water
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $23.5M
- Total assets
- 1,528
- Members
- 16.9%
- Net-worth ratio
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.
Westmoreland Water - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)60
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.93% 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 | 16.93% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.70% | 15% |
| Member Growth | -0.78% | 15% |
| Loan-to-Share Ratio | 34.08% | 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 | $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
What This Data Says About Westmoreland Water
1,528 members and $23.5M in total assets sit behind Westmoreland Water, a federal credit union in Greensburg, Pennsylvania, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $6.6M in outstanding loans as of Q4 2025 and a net worth ratio of 16.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #9042 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 34.08% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% 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 tighter than peers. Return on assets stands at 1.70% on net income of $398K 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 -0.78%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match 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 Westmoreland Water financially healthy?
A 16.93% 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. 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 16.93% 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.
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.