TellerScore

Pennsylvania-American Water Federal Credit Union is a federal credit union headquartered in Bethel Park, Pennsylvania, in business for about 53 years. At the end of Q2 2026 it reported $12.0M in total assets and $10.4M in member shares and deposits, with 1 office.

Pennsylvania-American Water Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 165th. Funding & liquidity contributes the most (100/100, 35% loans-to-deposits, 0% uninsured); earnings contributes the least (10/100, -0.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.84%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.40%
Earnings10/100
Return on assets (annualized): -0.26%
Funding & liquidity100/100
Loans ÷ shares: 35.1% · 0.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.95%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (78 → 72), mostly because the earnings component weakened by 32 points.

TellerScore
717680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202475
Q4 202475
Q1 202572
Q2 202578
Q3 202575
Q4 202580
Q1 202671
Q2 202672
Net worth ratio
7.00%9.93%12.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.11%
Q3 202411.09%
Q4 202411.58%
Q1 202511.62%
Q2 202511.85%
Q3 202512.42%
Q4 202512.86%
Q1 202612.72%
Q2 202612.84%
Delinquent loans (60+ days)
0.06%0.35%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.10%
Q4 20240.31%
Q1 20250.55%
Q2 20250.19%
Q3 20250.64%
Q4 20250.19%
Q1 20260.27%
Q2 20260.40%
Return on assets
-0.59%0.01%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.51%
Q4 20240.42%
Q1 20250.36%
Q2 20250.54%
Q3 20250.60%
Q4 20250.53%
Q1 2026-0.59%
Q2 2026-0.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$12.0M12.84%0.40%-0.26%35.1%
Q1 202671$12.1M12.72%0.27%-0.59%36.9%
Q4 202580$12.1M12.86%0.19%0.53%40.8%
Q3 202575$12.4M12.42%0.64%0.60%41.6%
Q2 202578$12.9M11.85%0.19%0.54%42.4%
Q1 202572$12.9M11.62%0.55%0.36%42.3%
Q4 202475$12.9M11.58%0.31%0.42%44.4%
Q3 202475$13.4M11.09%0.10%0.51%45.3%
Q2 202472$14.5M10.11%0.06%0.43%42.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.84%
38th
Problem loans0.40%
63rd
Net charge-offs0.64%
22nd
Return on assets-0.26%
14th
Loans to deposits35.1%
84th
Uninsured deposits0.2%
60th
Loan-loss reserves0.00%
37th
Texas ratio1.0%
66th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA76 out of 100, Strong$11.9M10.3%0.04%vs
Clairton Works Federal Credit UnionCredit union Clairton, PA87 out of 100, Very strong$11.8M15.2%0.06%vs
Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA95 out of 100, Very strong$11.7M20.9%0.09%vs
Dertown School Federal Credit UnionCredit union Latrobe, PA84 out of 100, Strong$12.3M30.4%0.00%vs
Wabellco Federal Credit UnionCredit union Washington, PA74 out of 100, Strong$12.3M9.5%0.00%vs
Bradford Area Federal Credit UnionCredit union Bradford, PA78 out of 100, Strong$11.4M13.7%0.30%vs

Deposit insurance

Is my money safe at Pennsylvania-American Water Federal Credit Union?

Yes. Pennsylvania-American Water Federal Credit Union is a federally insured credit union (NCUA charter #21556). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.2% of shares and deposits ($23K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.84%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Pennsylvania-American Water Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pennsylvania-American Water Federal Credit Union
Type
Federal credit union
NCUA charter #
21556
RSSD ID
141480
Primary regulator
NCUA
Established
1973
Headquarters
6050 Library Rd, Bethel Park, PA 15102
Employees
5

Quick answers

Pennsylvania-American Water Federal Credit Union: common questions

Is Pennsylvania-American Water Federal Credit Union NCUA insured?

Yes. Pennsylvania-American Water Federal Credit Union is a federally insured credit union (NCUA charter #21556). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Pennsylvania-American Water Federal Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Pennsylvania-American Water Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bethel Park

InstitutionScoreAssetsCapitalProblem loansCompare
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VA Pittsburgh Employees Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$26.8M17.6%0.15%vs
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Greater Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA93 out of 100, Very strong$76.7M15.3%0.40%vs
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs