Credit union · NCUA insured
C-B-W Schools Federal Credit Union
A $130.7M credit union headquartered in Sidman, PA, with 7,211 members and 2 branches in Pennsylvania. Best rates: CDs 4.10% and savings 0.70% APY.
C-B-W Schools Federal Credit Union Carrot Score
75
Carrot Score
Higher than 40% of U.S. banks and credit unions
#8 of 17 in Johnstown, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About C-B-W Schools Federal Credit Union
Founded in 1956 and based in Sidman, Pennsylvania, C-B-W Schools Federal Credit Union is a federally chartered, member-owned financial cooperative.
Originally established to serve school employees, the credit union later expanded its charter to admit select non-school organizations.
- Headquarters
- PO Box 400, 460 Locust Street, Sidman, PA 15955-0400
- NCUA charter
- 11374
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members or employees of certain non-school organizations admitted through special charter expansions are eligible for membership.
Military, government and schools
- Employees of schools in Cambria, Bedford, and Somerset counties are eligible for membership.
Family and household
- Spouses, children, parents, sisters, brothers, grandparents, and grandchildren of current members are eligible for membership.
- Immediate family members of school employees in Cambria, Bedford, and Somerset counties who reside within the three-county area are eligible for membership.
Cost to join
- A minimum deposit of $25.00 into a savings account is required upon joining.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- C-B-W Schools Federal Credit UnionMain officePO Box 400, 460 Locust Street, Sidman, PA 15955Directions
- Credit Union Complex194 Donald Ln Ste 4, Johnstown, PA 15904Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 29.78% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.33% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.25% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $29 | $76 | — |
- CapitalNet worth ratio29.78%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.33%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.25%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$29Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of C-B-W Schools Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.