TellerScore

Headquartered in Beaver, Pennsylvania, West-Aircomm Federal Credit Union is a federal credit union with $375.7M in total assets and $332.6M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1949.

Based on its Q2 2026 filing, West-Aircomm Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 209th. Its strongest component is funding & liquidity (84/100; 76% loans-to-deposits, 10% uninsured), and its lowest is loan quality (37/100; 1.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.42%
Loan quality37/100
Loans 60+ days delinquent ÷ total loans: 1.90%
Earnings65/100
Return on assets (annualized): 1.11%
Funding & liquidity84/100
Loans ÷ shares: 76.4% · 9.5% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.97%

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 3 points (61 → 64), mostly because the capital cushion component improved by 7 points.

TellerScore
576368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202463
Q4 202460
Q1 202562
Q2 202561
Q3 202561
Q4 202559
Q1 202657
Q2 202664
Net worth ratio
7.00%9.71%12.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.58%
Q3 202411.77%
Q4 202411.44%
Q1 202511.45%
Q2 202511.68%
Q3 202512.08%
Q4 202512.17%
Q1 202612.13%
Q2 202612.42%
Delinquent loans (60+ days)
1.16%1.78%2.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.16%
Q3 20241.70%
Q4 20241.49%
Q1 20251.80%
Q2 20252.00%
Q3 20252.11%
Q4 20252.35%
Q1 20262.40%
Q2 20261.90%
Return on assets
0.63%0.89%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.07%
Q4 20240.63%
Q1 20251.12%
Q2 20251.08%
Q3 20251.15%
Q4 20250.99%
Q1 20260.95%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$375.7M12.42%1.90%1.11%76.4%
Q1 202657$374.7M12.13%2.40%0.95%76.3%
Q4 202559$366.3M12.17%2.35%0.99%78.6%
Q3 202561$364.9M12.08%2.11%1.15%80.8%
Q2 202561$367.4M11.68%2.00%1.08%80.5%
Q1 202562$366.5M11.45%1.80%1.12%81.4%
Q4 202460$357.8M11.44%1.49%0.63%85.1%
Q3 202463$352.8M11.77%1.70%1.07%86.0%
Q2 202468$351.2M11.58%1.16%1.14%85.9%

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 ratio12.42%
63rd
Problem loans1.90%
7th
Net charge-offs0.44%
41st
Return on assets1.11%
73rd
Loans to deposits76.4%
49th
Uninsured deposits9.5%
19th
Loan-loss reserves0.00%
50th
Texas ratio13.0%
7th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs
Inspire Federal Credit UnionCredit union Newtown, PA59 out of 100, Moderate$392.1M10.5%0.93%vs
Net Federal Credit UnionCredit union Scranton, PA62 out of 100, Moderate$354.0M10.2%1.09%vs
Riverfront Federal Credit UnionCredit union Wyomissing, PA60 out of 100, Moderate$320.2M8.5%0.50%vs
Everence Federal Credit UnionCredit union Lancaster, PA64 out of 100, Moderate$449.8M8.7%0.54%vs
Cross Valley Federal Credit UnionCredit union Wilkes Barre, PA65 out of 100, Moderate$300.0M8.2%0.69%vs

Deposit insurance

Is my money safe at West-Aircomm Federal Credit Union?

Yes. West-Aircomm Federal Credit Union is a federally insured credit union (NCUA charter #6233). 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 9.5% of shares and deposits ($31.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

West-Aircomm Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, West-Aircomm Federal Credit Union reported 104 home-loan applications under HMDA (LEI 549300JUU7PS6Y4KM909): 89 originated ($7,295,000 total), 10 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, 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
West-Aircomm Federal Credit Union
Type
Federal credit union
NCUA charter #
6233
RSSD ID
1013986
Primary regulator
NCUA
Established
1949
Headquarters
P. O. Box 568, Beaver, PA 15009
Employees
48

Quick answers

West-Aircomm Federal Credit Union: common questions

Is West-Aircomm Federal Credit Union NCUA insured?

Yes. West-Aircomm Federal Credit Union is a federally insured credit union (NCUA charter #6233). 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 West-Aircomm Federal Credit Union's TellerScore?

64 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 West-Aircomm Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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