TellerScore

1st Ed Credit Union is a federally insured state-chartered credit union headquartered in Chambersburg, Pennsylvania, in business for about 88 years. At the end of Q2 2026 it reported $138.2M in total assets and $117.3M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, 1st Ed Credit Union scores 83/100, which we describe as strong. That is higher than 83% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 76th. Its strongest component is capital cushion (100/100; 15.87%), and its lowest is earnings (37/100; 0.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.87%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings37/100
Return on assets (annualized): 0.42%
Funding & liquidity100/100
Loans ÷ shares: 36.9% · 2.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.99%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (86 → 83), mostly because the loan quality component weakened by 17 points.

TellerScore
838587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202484
Q4 202484
Q1 202585
Q2 202586
Q3 202586
Q4 202587
Q1 202683
Q2 202683
Net worth ratio
7.00%11.43%15.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.32%
Q3 202415.39%
Q4 202415.29%
Q1 202515.08%
Q2 202515.26%
Q3 202515.45%
Q4 202515.59%
Q1 202615.59%
Q2 202615.87%
Delinquent loans (60+ days)
0.00%0.25%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.22%
Q4 20240.20%
Q1 20250.04%
Q2 20250.00%
Q3 20250.02%
Q4 20250.00%
Q1 20260.51%
Q2 20260.50%
Return on assets
0.12%0.27%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.25%
Q4 20240.23%
Q1 20250.12%
Q2 20250.25%
Q3 20250.33%
Q4 20250.35%
Q1 20260.41%
Q2 20260.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$138.2M15.87%0.50%0.42%36.9%
Q1 202683$139.8M15.59%0.51%0.41%36.9%
Q4 202587$138.8M15.59%0.00%0.35%36.9%
Q3 202586$139.1M15.45%0.02%0.33%37.6%
Q2 202586$139.7M15.26%0.00%0.25%37.2%
Q1 202585$140.6M15.08%0.04%0.12%37.7%
Q4 202484$138.3M15.29%0.20%0.23%39.7%
Q3 202484$137.0M15.39%0.22%0.25%41.4%
Q2 202486$137.1M15.32%0.03%0.24%41.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.87%
89th
Problem loans0.50%
64th
Net charge-offs0.01%
96th
Return on assets0.42%
25th
Loans to deposits36.9%
97th
Uninsured deposits2.8%
84th
Loan-loss reserves0.00%
50th
Texas ratio1.0%
89th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs
The One Federal Credit UnionCredit union Meadville, PA61 out of 100, Moderate$139.3M8.7%0.38%vs
Tendto Federal Credit UnionCredit union Erie, PA61 out of 100, Moderate$141.3M8.3%0.51%vs
Lesco Federal Credit UnionCredit union Latrobe, PA83 out of 100, Strong$134.7M14.9%1.36%vs
Pheple Federal Credit UnionCredit union Greensburg, PA63 out of 100, Moderate$134.0M9.6%0.57%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs

Deposit insurance

Is my money safe at 1st Ed Credit Union?

Yes. 1st Ed Credit Union is a federally insured credit union (NCUA charter #65412). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.8% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.87%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

1st Ed Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, 1st Ed Credit Union reported 19 home-loan applications under HMDA (LEI 549300W75G5512S0BN41): 12 originated ($1,110,000 total), 4 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
1st Ed Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65412
RSSD ID
94997
Primary regulator
State + NCUA
Established
1938
Headquarters
1156 Kennebec Dr, Chambersburg, PA 17201
Employees
29

Quick answers

1st Ed Credit Union: common questions

Is 1st Ed Credit Union NCUA insured?

Yes. 1st Ed Credit Union is a federally insured credit union (NCUA charter #65412). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 1st Ed Credit Union's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 1st Ed Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chambersburg

InstitutionScoreAssetsCapitalProblem loansCompare
Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD92 out of 100, Very strong$96.5M15.3%0.15%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
ACNB BankBank Gettysburg, PA77 out of 100, Strong$3.3B11.2%0.40%vs
Patriot Federal Credit UnionCredit union Chambersburg, PA76 out of 100, Strong$1.3B11.5%0.26%vs
First United Bank & TrustBank Oakland, MD75 out of 100, Strong$2.1B11.6%0.31%vs