AMBRIDGE AREA Credit Union Profile

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AMBRIDGE AREA

Charter #900 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (724) 869-3342

Fax: (724) 869-3348

Founding Date: N/A

Website: http://www.ambridgeareafcu.com

Personnel & Operations

President: Gonzalez, Joanne

Manager: FORD, Gary

FT Employees: 1

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 1

Hours: Monday-Tuesday- Thursday-Friday 9AM-4:15PM

Credit Union Profile Summary

AMBRIDGE AREA is a FCU Credit Union. With a total of 972 members [1], this institution manages approximately $12,903,167 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 6.15% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -9.44% [1].

Financial Snapshot

Total Assets [1]
$12,903,167

Total economic resources.

Total Loans [1]
$3,337,451

Total value of outstanding loans.

Total Deposits [1]
$12,104,787

Total funds deposited by members.

Members [1]
972

Number of active members.

Performance Ratios

Net Worth Ratio [1]
6.15%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-1.23%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
27.57%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-5.28%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-9.44%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.10%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

401 State St

Baden, PA, 15005-1736

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by AMBRIDGE AREA (Charter #900).

Main Office

Ambridge Area FCU Main Office

Type: Corporate Office

401 State St

Baden, PA 15005-1736

Phone: (724) 869-3342

Services: Member Services

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