Youngwood, Pennsylvania · Peer group 2
U.A.L.U. 354 Credit Union
U.A.L.U. 354 Credit Union holds $6.7M in assets across 1,565 members as of Q1 2026 — about $4K of assets per member, on a charter dating to 1978. Charter number 23174, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $6.7M |
|---|---|
| Total loans | $4.1M |
| Total shares (deposits) | $5.9M |
| Net worth | $783K |
| Members | 1,565 |
| Assets per member | $4K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.2% | |
|---|---|---|
| Loans | -12.0% | around the 29th percentile of its peer group |
| Deposits | -2.5% | around the 45th percentile of its peer group |
| Members | -0.2% | around the 65th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 68.7% | around the 58th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.6% | around the 20th percentile of its peer group |
| Return on assets | 0.67% | around the 60th percentile of its peer group |
| Delinquency ratio | 0.04% | around the 24th percentile of its peer group |
| Cash / assets | 16.9% | around the 56th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is U.A.L.U. 354 Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Ukrainian Selfreliance of West. Pa. Credit Union
Carnegie, PA
$6.7M · 818 members
- Northwood Credit Union
Philadelphia, PA
$6.8M · 296 members
- Pace Resources Credit Union
YORK, PA
$7.0M · 652 members
- Johnstown School Employees Credit Union
JOHNSTOWN, PA
$6.4M · 520 members
- Valley Pride Credit Union
Kingston, PA
$6.3M · 580 members
- Par-Del Emp. Credit Union
WYOMING, PA
$7.3M · 672 members
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