Steamfitters Phila Federal Credit Union is a federal credit union headquartered in West Chester, Pennsylvania, in business for about 59 years. At the end of Q2 2026 it reported $744K in total assets and $628K in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Steamfitters Phila Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 59th. Its strongest component is capital cushion (100/100; 15.53%), and its lowest is earnings (60/100; 1.01%).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (85 → 87), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 82 |
| Q4 2024 | 80 |
| Q1 2025 | 82 |
| Q2 2025 | 85 |
| Q3 2025 | 88 |
| Q4 2025 | 77 |
| Q1 2026 | 83 |
| Q2 2026 | 87 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.65% |
| Q3 2024 | 12.65% |
| Q4 2024 | 12.68% |
| Q1 2025 | 12.90% |
| Q2 2025 | 14.10% |
| Q3 2025 | 14.84% |
| Q4 2025 | 13.99% |
| Q1 2026 | 14.30% |
| Q2 2026 | 15.53% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.42% |
| Q3 2024 | 1.51% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.28% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.80% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $744K | 15.53% | 0.00% | 1.01% | 94.2% |
| Q1 2026 | 83 | $793K | 14.30% | 0.00% | 0.80% | 94.0% |
| Q4 2025 | 77 | $799K | 13.99% | 0.00% | 0.00% | 89.8% |
| Q3 2025 | 88 | $805K | 14.84% | 0.00% | 1.28% | 98.3% |
| Q2 2025 | 85 | $828K | 14.10% | 0.00% | 1.20% | 102.5% |
| Q1 2025 | 82 | $889K | 12.90% | 0.00% | 1.33% | 101.4% |
| Q4 2024 | 80 | $881K | 12.68% | 0.00% | 1.20% | 106.5% |
| Q3 2024 | 82 | $972K | 12.65% | 0.00% | 1.51% | 113.9% |
| Q2 2024 | 79 | $1.0M | 11.65% | 0.00% | 1.42% | 104.8% |
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).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mount Carmel Baptist Federal Credit UnionCredit union Philadelphia, PA | 80 out of 100, Strong | $780K | 21.9% | 0.00% | vs |
| New Life Federal Credit UnionCredit union Philadelphia, PA | 80 out of 100, Strong | $843K | 23.1% | 0.00% | vs |
| Lonza Federal Credit UnionCredit union Williamsport, PA | 57 out of 100, Moderate | $490K | 25.4% | 2.61% | vs |
| E R R L Federal Credit UnionCredit union Wyndmoor, PA | 67 out of 100, Moderate | $1.0M | 10.6% | 0.00% | vs |
| Bradford Area School Employees Federal Credit UnionCredit union Bradford, PA | 90 out of 100, Very strong | $1.1M | 22.9% | 0.12% | vs |
| Pinn Memorial Federal Credit UnionCredit union Philadelphia, PA | 91 out of 100, Very strong | $276K | 18.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Steamfitters Phila Federal Credit Union?
Yes. Steamfitters Phila Federal Credit Union is a federally insured credit union (NCUA charter #18234). 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 0.0% of shares and deposits ($0) 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 15.53%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Steamfitters Phila Federal Credit Union lists 1 office in 1 city. Most locations:
- West Chester, PA (1)
Identity & history
Profile
- Legal name
- Steamfitters Phila Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 18234
- RSSD ID
- 723886
- Primary regulator
- NCUA
- Established
- 1967
- Headquarters
- 470 Douglas Dr., West Chester, PA 19380
- Employees
- 1
Quick answers
Steamfitters Phila Federal Credit Union: common questions
Is Steamfitters Phila Federal Credit Union NCUA insured?
Yes. Steamfitters Phila Federal Credit Union is a federally insured credit union (NCUA charter #18234). 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 Steamfitters Phila Federal Credit Union's TellerScore?
87 out of 100 (Very 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 Steamfitters Phila Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near West Chester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| B. Braun Federal Credit UnionCredit union Allentown, PA | 100 out of 100, Very strong | $1.9M | 25.1% | 0.00% | vs |
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |
| Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA | 94 out of 100, Very strong | $71.6M | 25.3% | 0.69% | vs |
| The National Bank of MalvernBank Malvern, PA | 93 out of 100, Very strong | $224.0M | 16.5% | 0.10% | vs |
| SEI Private Trust CompanyBank Oaks, PA | 93 out of 100, Very strong | $208.5M | 80.4% | 0.00% | vs |