TellerScore

Headquartered in Cranberry Twp, Pennsylvania, Usx Federal Credit Union is a federal credit union with $258.1M in total assets and $225.9M in member shares and deposits as of Q2 2026. It operates 8 offices across 2 states. Its charter dates back to 1938.

Usx Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 109th. Problem-loan coverage contributes the most (97/100, 1.5%); earnings contributes the least (37/100, 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.54%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity96/100
Loans ÷ shares: 63.8% · 2.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.48%

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 (81 → 78), mostly because the earnings component weakened by 33 points.

TellerScore
647381Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202466
Q4 202468
Q1 202580
Q2 202581
Q3 202581
Q4 202581
Q1 202676
Q2 202678
Net worth ratio
7.00%9.80%12.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.73%
Q3 202411.81%
Q4 202411.81%
Q1 202511.84%
Q2 202512.24%
Q3 202512.52%
Q4 202512.61%
Q1 202612.31%
Q2 202612.54%
Delinquent loans (60+ days)
0.18%0.51%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.85%
Q3 20240.74%
Q4 20240.66%
Q1 20250.49%
Q2 20250.44%
Q3 20250.40%
Q4 20250.34%
Q1 20260.26%
Q2 20260.18%
Return on assets
-0.27%0.52%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.27%
Q3 2024-0.13%
Q4 2024-0.08%
Q1 20251.30%
Q2 20251.26%
Q3 20251.01%
Q4 20250.88%
Q1 20260.36%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$258.1M12.54%0.18%0.43%63.8%
Q1 202676$260.3M12.31%0.26%0.36%60.1%
Q4 202581$252.4M12.61%0.34%0.88%61.3%
Q3 202581$253.0M12.52%0.40%1.01%60.6%
Q2 202581$256.3M12.24%0.44%1.26%58.1%
Q1 202580$258.5M11.84%0.49%1.30%56.0%
Q4 202468$252.1M11.81%0.66%-0.08%58.1%
Q3 202466$253.0M11.81%0.74%-0.13%58.4%
Q2 202464$254.0M11.73%0.85%-0.27%58.7%

1,341 peers · $100 million – $1 billion

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 ratio12.54%
64th
Problem loans0.18%
91st
Net charge-offs0.27%
61st
Return on assets0.43%
25th
Loans to deposits63.8%
72nd
Uninsured deposits2.9%
82nd
Loan-loss reserves0.00%
50th
Texas ratio1.5%
82nd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Hidden River Credit UnionCredit union Pottsville, PA73 out of 100, Strong$258.8M9.3%0.31%vs
Cacl Federal Credit UnionCredit union Pottsville, PA65 out of 100, Moderate$255.7M10.1%0.73%vs
Mc Federal Credit UnionCredit union Danville, PA65 out of 100, Moderate$247.2M12.4%2.12%vs
Penn State Federal Credit UnionCredit union Bellefonte, PA93 out of 100, Very strong$274.4M14.0%0.33%vs
Americhoice Federal Credit UnionCredit union Mechanicsburg, PA66 out of 100, Moderate$240.4M12.4%1.72%vs
Bhcu Credit UnionCredit union Ridley Park, PA70 out of 100, Strong$276.2M11.9%0.67%vs

Deposit insurance

Is my money safe at Usx Federal Credit Union?

Yes. Usx Federal Credit Union is a federally insured credit union (NCUA charter #2740). 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 2.9% of shares and deposits ($6.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.54%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Usx Federal Credit Union lists 8 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Usx Federal Credit Union reported 221 home-loan applications under HMDA (LEI 254900PQN88DET52I724): 168 originated ($15,800,000 total), 31 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Usx Federal Credit Union
Type
Federal credit union
NCUA charter #
2740
RSSD ID
971276
Primary regulator
NCUA
Established
1938
Headquarters
P.O. Box 1728, Cranberry Twp, PA 16066
Employees
64

Quick answers

Usx Federal Credit Union: common questions

Is Usx Federal Credit Union NCUA insured?

Yes. Usx Federal Credit Union is a federally insured credit union (NCUA charter #2740). 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 Usx Federal Credit Union's TellerScore?

78 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 Usx Federal Credit Union have?

8 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Cranberry Twp

InstitutionScoreAssetsCapitalProblem loansCompare
VA Pittsburgh Employees Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$26.8M17.6%0.15%vs
I.B.E.W. - Local No. 5 Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$15.4M15.4%0.07%vs
A & S Federal Credit UnionCredit union Aliquippa, PA95 out of 100, Very strong$39.3M15.1%0.55%vs
Sca Federal Credit UnionCredit union New Castle, PA94 out of 100, Very strong$17.4M19.7%0.09%vs
Freedom United Federal Credit UnionCredit union Rochester, PA93 out of 100, Very strong$94.2M19.0%0.84%vs
Greater Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA93 out of 100, Very strong$76.7M15.3%0.40%vs