Applications / Mortgage Analytics / Lenders / Pennsylvania / SRU Federal Credit Union
Slippery Rock, PA · Credit union · NCUA · $65.0 million assets · 59 loans in 2025
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59
loans originated, 2025
79
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SRU Federal Credit Union, in Slippery Rock, Pennsylvania, makes small loans to people who already own homes and did not finance a single purchase in 2025.
Home improvement accounted for 44.1% of its loans, refinances for 30.5% and other purposes for 25.4%. It made no home-purchase loans. Every loan was conventional. Its typical loan was $65,000, against $95,000 at similar lenders, credit unions making between half and twice as many loans.
It made 59 loans, up 40% from 42 in 2024, faster than about four in five of its peers, whose typical growth was 7%. It first reported in 2023, with 77 loans, so 2025 did not regain that level. Three years is too short a record to call a trend.
Pittsburgh is its largest market, where it ranks 197 of 571 lenders but holds too small a share to register. PNC Bank led that market. It also lends in rural Pennsylvania and, from 2025, in Youngstown-Warren, Ohio.
Of its borrowers, 32.2% had low or moderate incomes, against 30.6% at the typical peer, near the middle of the group. The share was much the same in 2024.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. SRU Federal Credit Union took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 44.1% · Refinance 30.5% · Other 25.4%
Conventional 100.0% · of 59 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 58 | 98.3% |
| Ohio | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 48 |
| Youngstown-Warren | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500O9D2D8A3B51B69 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 567585 | 2023–2023 |
Established 1 January 1958. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: SRU Federal Credit Union's data.
SRU Federal Credit Union's data
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SRU Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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