TellerScore

Headquartered in Greensburg, Pennsylvania, Westmoreland Water Federal Credit Union is a federal credit union with $23.5M in total assets and $19.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1953.

Westmoreland Water Federal Credit Union has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 8th. Capital cushion contributes the most (100/100, 18.89%); earnings contributes the least (89/100, 1.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.89%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings89/100
Return on assets (annualized): 1.71%
Funding & liquidity100/100
Loans ÷ shares: 32.6% · 2.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.17%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (98 → 97).

TellerScore
9598100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202496
Q3 202497
Q4 202498
Q1 202598
Q2 202598
Q3 202599
Q4 2025100
Q1 202695
Q2 202697
Net worth ratio
7.00%12.95%18.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.43%
Q3 202415.96%
Q4 202416.19%
Q1 202516.68%
Q2 202517.27%
Q3 202517.67%
Q4 202518.01%
Q1 202618.51%
Q2 202618.89%
Delinquent loans (60+ days)
0.00%0.13%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.12%
Q2 20250.27%
Q3 20250.08%
Q4 20250.00%
Q1 20260.00%
Q2 20260.12%
Return on assets
1.36%1.71%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.53%
Q3 20241.64%
Q4 20241.72%
Q1 20251.88%
Q2 20252.07%
Q3 20252.07%
Q4 20252.01%
Q1 20261.36%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$23.5M18.89%0.12%1.71%32.6%
Q1 202695$23.4M18.51%0.00%1.36%33.4%
Q4 2025100$23.5M18.01%0.00%2.01%34.1%
Q3 202599$23.3M17.67%0.08%2.07%35.1%
Q2 202598$23.2M17.27%0.27%2.07%35.1%
Q1 202598$23.2M16.68%0.12%1.88%33.9%
Q4 202498$23.1M16.19%0.00%1.72%34.6%
Q3 202497$22.7M15.96%0.00%1.64%35.0%
Q2 202496$22.8M15.43%0.00%1.53%35.1%

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 ratio18.89%
73rd
Problem loans0.12%
79th
Net charge-offs-0.02%
89th
Return on assets1.71%
90th
Loans to deposits32.6%
86th
Uninsured deposits2.1%
43rd
Loan-loss reserves0.00%
37th
Texas ratio0.2%
82nd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Allegheny Ludlum Brackenridge Federal Credit UnionCredit union Brackenridge, PA94 out of 100, Very strong$23.6M22.3%0.00%vs
Western Pa Federal Credit UnionCredit union New Kensington, PA59 out of 100, Moderate$23.6M13.4%2.34%vs
Honeywell Philadelphia Div Federal Credit UnionCredit union Ft Washington, PA56 out of 100, Moderate$24.0M8.4%0.79%vs
N.F.G. #2 Federal Credit UnionCredit union Warren, PA80 out of 100, Strong$24.2M15.7%1.28%vs
West Penn P&p Federal Credit UnionCredit union Beaver, PA78 out of 100, Strong$22.8M13.9%1.31%vs
American Pride Credit UnionCredit union Altoona, PA73 out of 100, Strong$22.5M12.8%1.92%vs

Deposit insurance

Is my money safe at Westmoreland Water Federal Credit Union?

Yes. Westmoreland Water Federal Credit Union is a federally insured credit union (NCUA charter #9042). 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 2.1% of shares and deposits ($410K) 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 18.89%, 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

Westmoreland Water Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Westmoreland Water Federal Credit Union
Type
Federal credit union
NCUA charter #
9042
RSSD ID
108483
Primary regulator
NCUA
Established
1953
Headquarters
1900 Franklin St., Greensburg, PA 15601
Employees
4

Quick answers

Westmoreland Water Federal Credit Union: common questions

Is Westmoreland Water Federal Credit Union NCUA insured?

Yes. Westmoreland Water Federal Credit Union is a federally insured credit union (NCUA charter #9042). 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 Westmoreland Water Federal Credit Union's TellerScore?

97 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 Westmoreland Water Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Greensburg

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
VA Pittsburgh Employees Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$26.8M17.6%0.15%vs
Mt Pleasant Area School Emp Federal Credit UnionCredit union Mount Pleasant, PA97 out of 100, Very strong$2.3M25.4%0.00%vs
Firstenergy Choice Federal Credit UnionCredit union Greensburg, PA93 out of 100, Very strong$51.6M21.3%0.19%vs
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs
Alcose Credit UnionCredit union White Oak, PA89 out of 100, Very strong$16.1M16.4%0.03%vs