TellerScore

Headquartered in Carnegie, Pennsylvania, Southwest Communities Federal Credit Union is a federal credit union with $18.6M in total assets and $16.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1939.

Based on its Q2 2026 filing, Southwest Communities Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 183rd. Its strongest component is funding & liquidity (100/100; 37% loans-to-deposits, 4% uninsured), and its lowest is earnings (21/100; 0.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.26%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings21/100
Return on assets (annualized): 0.03%
Funding & liquidity100/100
Loans ÷ shares: 36.8% · 4.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.54%

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 3 points (72 → 69), mostly because the earnings component weakened by 27 points.

TellerScore
546575Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202455
Q4 202465
Q1 202557
Q2 202572
Q3 202575
Q4 202567
Q1 202668
Q2 202669
Net worth ratio
7.00%8.72%10.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.15%
Q3 20249.52%
Q4 20249.88%
Q1 20259.14%
Q2 20259.99%
Q3 202510.44%
Q4 202510.07%
Q1 20269.98%
Q2 202610.26%
Delinquent loans (60+ days)
0.06%1.03%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.96%
Q3 20241.99%
Q4 20240.99%
Q1 20251.63%
Q2 20250.28%
Q3 20250.08%
Q4 20250.71%
Q1 20260.06%
Q2 20260.17%
Return on assets
-0.12%0.29%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.64%
Q4 20240.68%
Q1 20250.60%
Q2 20250.71%
Q3 20250.64%
Q4 20250.48%
Q1 2026-0.12%
Q2 20260.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$18.6M10.26%0.17%0.03%36.8%
Q1 202668$19.0M9.98%0.06%-0.12%35.1%
Q4 202567$18.9M10.07%0.71%0.48%36.6%
Q3 202575$18.4M10.44%0.08%0.64%38.6%
Q2 202572$19.0M9.99%0.28%0.71%37.9%
Q1 202557$20.4M9.14%1.63%0.60%34.9%
Q4 202465$18.5M9.88%0.99%0.68%40.3%
Q3 202455$19.0M9.52%1.99%0.64%41.2%
Q2 202454$19.5M9.15%1.96%0.62%41.8%

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 ratio10.26%
18th
Problem loans0.17%
75th
Net charge-offs0.41%
32nd
Return on assets0.03%
20th
Loans to deposits36.8%
82nd
Uninsured deposits4.3%
25th
Loan-loss reserves0.00%
37th
Texas ratio0.5%
74th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Stanwood Area Federal Credit UnionCredit union New Stanton, PA62 out of 100, Moderate$18.6M10.4%1.07%vs
Cal-Ed Federal Credit UnionCredit union California, PA55 out of 100, Moderate$19.2M14.1%3.50%vs
Saint Vincent Erie Federal Credit UnionCredit union Erie, PA77 out of 100, Strong$17.9M12.2%0.86%vs
Altoona Area Employees Federal Credit UnionCredit union Altoona, PA84 out of 100, Strong$19.4M11.5%0.00%vs
Alleg-Kiski Postal Federal Credit UnionCredit union New Kensington, PA78 out of 100, Strong$19.5M19.0%1.84%vs
Ppg & Associates Federal Credit UnionCredit union Creighton, PA82 out of 100, Strong$19.6M16.7%0.42%vs

Deposit insurance

Is my money safe at Southwest Communities Federal Credit Union?

Yes. Southwest Communities Federal Credit Union is a federally insured credit union (NCUA charter #3278). 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 4.3% of shares and deposits ($713K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.26%, 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

Southwest Communities Federal Credit Union lists 1 office in 1 city. Most locations:

  • Carnegie, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Southwest Communities Federal Credit Union
Type
Federal credit union
NCUA charter #
3278
RSSD ID
563970
Primary regulator
NCUA
Established
1939
Headquarters
213 Pine Street, Carnegie, PA 15106
Employees
5

Quick answers

Southwest Communities Federal Credit Union: common questions

Is Southwest Communities Federal Credit Union NCUA insured?

Yes. Southwest Communities Federal Credit Union is a federally insured credit union (NCUA charter #3278). 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 Southwest Communities Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Southwest Communities Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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