Credit union
Pheple Federal Credit Union
Greensburg, Pennsylvania, Westmoreland County, PA
$134M in total assets and 18,430 members, the 1,592nd largest of 4,298 US credit unions and 67th of 269 headquartered in Pennsylvania.
- NCUA charter
- 7297
- Charter
- Federal
- Chartered
- 1951
- NCUA insured since
- 1971
- Field of membership
- Community credit unions
- Low-income designation
- Yes
- Website
- http://www.pheplefcu.org
At a glance
Compared with 69 federally insured credit unions in Pennsylvania with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $134M | 28% | $187M | |
| Loans | $113M | 52% | $110M | |
| Deposits (shares) | $121M | 29% | $164M | |
| Members | 18,430 | 72% | 14,298 | |
| Return on assets | 0.76% | 42% | 0.95% | |
| Net interest income to assets | 4.65% | 98% | 3.65% | |
| Efficiency ratio | 84.1% | 84% | 75.6% | |
| Net worth ratio | 9.55% | 22% | 11.48% | |
| Loans to shares | 93% | 96% | 65% | |
| Cost of deposits | 0.78% | 16% | 1.34% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 6.8% a year over 10 years and 4.5% a year over the last 5, including 5 mergers in the last 10 years. Membership grew 2.8% a year over 5 years, to 18,430.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Apr 2025 | Valley Wide of Pa Federal Credit Union Credit union, Tarentum, PA | $821K |
| Oct 2024 | Latrobe Area Hospital Federal Credit Union Credit union, Latrobe, PA | $10M |
| Oct 2021 | KASE Federal Credit Union Credit union, Vandergrift, PA | $953K |
| May 2021 | Bacharach Employees Federal Credit Union Credit union, New Kensington, PA | $149K |
| Feb 2017 | Westmoreland Federal Employee Federal Credit Union Credit union, Greensburg, PA | $7M |
| Feb 2014 | Westco Federal Credit Union Credit union, Greensburg, PA | $8M |
| Oct 2011 | Greensburg Community Federal Credit Union Credit union, Greensburg, PA | $2M |
Where they operate
10 branches in 2 counties.
1 of 10 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Westmoreland County, PA | 9 | 5.4% | 6 of 48 |
| Allegheny County, PA | 1 | 0.2% | 36 of 79 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 5 | |
| 2017 | 5 | 0 |
| 2018 | 5 | 0 |
| 2019 | 7 | +2 |
| 2020 | 7 | 0 |
| 2021 | 8 | +1 |
| 2022 | 8 | 0 |
| 2023 | 8 | 0 |
| 2024 | 9 | +1 |
| 2025 | 10 | +1 |
| Jun 2026 | 10 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.57% | 0.73% |
| Net worth ratio | 9.55% | 11.48% |
| Loans to shares | 93% | 65% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Pennsylvania
Most branches in Westmoreland County, PA
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.