Credit union
USX Federal Credit Union
Cranberry Twp, Pennsylvania, Butler County, PA
$258M in total assets and 19,029 members, the 1,130th largest of 4,298 US credit unions and 41st of 269 headquartered in Pennsylvania.
- NCUA charter
- 2740
- Charter
- Federal
- Chartered
- 1938
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - primarily primary and fabricated metals
- Website
- http://www.usxfcu.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 | $258M | 65% | $187M | |
| Loans | $144M | 67% | $110M | |
| Deposits (shares) | $226M | 64% | $163M | |
| Members | 19,029 | 74% | 14,298 | |
| Return on assets | 0.43% | 16% | 0.95% | |
| Net interest income to assets | 3.80% | 61% | 3.65% | |
| Efficiency ratio | 88.7% | 96% | 75.6% | |
| Net worth ratio | 12.54% | 65% | 11.19% | |
| Loans to shares | 64% | 45% | 67% | |
| Cost of deposits | 1.17% | 38% | 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 1.4% a year over 10 years but fell 0.6% a year over the last 5, including 1 merger in the last 10 years. Membership fell 3.1% a year over 5 years, to 19,029.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Mar 2022 | Monroeville Boro Federal Credit Union Credit union, Monroeville, PA | $883K |
| Jan 2016 | Alloy Scottdale Federal Credit Union Credit union, Scottdale, PA | $198K |
| Jan 2016 | Millwrights/Pile Drivers of Pittsbu Federal Credit Union Credit union, Saltsburg, PA | $495K |
| Oct 2015 | Nabco Federal Credit Union Credit union, Monaca, PA | $7M |
| Aug 2015 | Penacol Federal Credit Union Credit union, Petrolia, PA | $6M |
| Jul 2014 | Pittsburgh Pepsi Cola Federal Credit Union Credit union, Observatory, PA | $1M |
| Jul 2014 | I B M Pittsburgh Federal Credit Union Credit union, Pittsburgh, PA | $515K |
| Mar 2014 | Westho Federal Credit Union Credit union, Greensburg, PA | $4M |
| Sep 2011 | GSI Avonmore Employees Federal Credit Union Credit union, Penn, PA | $815K |
Where they operate
9 branches in 5 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Hancock County, OH | 2 | 6.7% | 4 of 16 |
| Allegheny County, PA | 2 | 0.4% | 23 of 79 |
| Butler County, PA | 2 | 2.5% | 9 of 30 |
| Westmoreland County, PA | 2 | 1.2% | 15 of 48 |
| Beaver County, PA | 1 | 2.1% | 11 of 20 |
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 | 11 | |
| 2017 | 11 | 0 |
| 2018 | 11 | 0 |
| 2019 | 9 | −2 |
| 2020 | 9 | 0 |
| 2021 | 8 | −1 |
| 2022 | 8 | 0 |
| 2023 | 8 | 0 |
| 2024 | 8 | 0 |
| 2025 | 8 | 0 |
| Jun 2026 | 9 | +1 |
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 | 0.18% | 0.73% |
| Net worth ratio | 12.54% | 11.19% |
| Loans to shares | 64% | 67% |
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 Hancock County, OH
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.