Credit union · NCUA insured
Top Tier Federal Credit Union
A $267.8M credit union headquartered in Clarion, PA, with 17,598 members and 5 branches in Pennsylvania. Best rates: CDs 4.00% and savings 0.10% APY.
Top Tier Federal Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#55 of 100 in Pittsburgh, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Top Tier Federal Credit Union
Founded in 1940 as Clarion Onized Federal Credit Union, Top Tier Federal Credit Union is a member-owned credit union that serves Northwestern Pennsylvania.
Originally formed by employees of the Owens-Illinois Glass Plant in Clarion, the credit union expanded its charter in 2021 to cover 13 counties in Northwestern Pennsylvania.
- Headquarters
- 144 Holiday Inn Rd, Clarion, PA 16214
- NCUA charter
- 3655
Branches
5 branches in Pennsylvania
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Pennsylvania
5 branches
Clarion area · 1
- Top Tier Federal Credit UnionMain office144 Holiday Inn Rd, Clarion, PA 16214Directions
Brookville area · 1
- Top Tier Federal Credit Union Brookville Branch204 Allegheny Blvd, Brookville, PA 15825Directions
Pittsburgh area · 1
- Top Tier Federal Credit Union Butler Branch170 New Castle Rd, Butler, PA 16001Directions
Oil City area · 1
- Top Tier Federal Credit Union Cranberry Branch6935 US-322, Cranberry, PA 16319Directions
Hermitage area · 1
- Top Tier Federal Credit Union Hermitage Branch2790 E State St, Hermitage, PA 16148Directions
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 | 9.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.60% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.45% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio9.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.60%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.45%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ 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 Top Tier 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.