TellerScore

A & S Federal Credit Union is a federal credit union headquartered in Aliquippa, Pennsylvania, in business for about 86 years. At the end of Q2 2026 it reported $39.3M in total assets and $33.3M in member shares and deposits, with 1 office.

A & S Federal Credit Union has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 13th. Capital cushion contributes the most (100/100, 15.10%); loan quality contributes the least (82/100, 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.10%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings97/100
Return on assets (annualized): 1.92%
Funding & liquidity100/100
Loans ÷ shares: 37.9% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.18%

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 rose 5 points (90 → 95), mostly because the capital cushion component improved by 18 points.

TellerScore
758696Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202478
Q4 202481
Q1 202583
Q2 202590
Q3 202593
Q4 202593
Q1 202696
Q2 202695
Net worth ratio
7.00%11.05%15.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.39%
Q3 202411.84%
Q4 202412.26%
Q1 202512.59%
Q2 202513.20%
Q3 202513.88%
Q4 202514.05%
Q1 202614.37%
Q2 202615.10%
Delinquent loans (60+ days)
0.09%0.32%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.24%
Q4 20240.22%
Q1 20250.11%
Q2 20250.09%
Q3 20250.09%
Q4 20250.14%
Q1 20260.10%
Q2 20260.55%
Return on assets
0.63%1.27%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.72%
Q4 20240.84%
Q1 20250.91%
Q2 20251.53%
Q3 20251.63%
Q4 20251.67%
Q1 20261.88%
Q2 20261.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$39.3M15.10%0.55%1.92%37.9%
Q1 202696$40.0M14.37%0.10%1.88%36.1%
Q4 202593$39.6M14.05%0.14%1.67%34.6%
Q3 202593$38.8M13.88%0.09%1.63%35.4%
Q2 202590$39.5M13.20%0.09%1.53%34.0%
Q1 202583$39.8M12.59%0.11%0.91%33.6%
Q4 202481$40.0M12.26%0.22%0.84%32.7%
Q3 202478$40.6M11.84%0.24%0.72%33.4%
Q2 202475$41.3M11.39%0.43%0.63%32.6%

2,479 peers · Under $100 million in assets

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 ratio15.10%
55th
Problem loans0.55%
56th
Net charge-offs0.05%
62nd
Return on assets1.92%
93rd
Loans to deposits37.9%
81st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.2%
63rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Bucks County Employees Credit UnionCredit union Doylestown, PA71 out of 100, Strong$39.2M12.2%0.91%vs
Bva Federal Credit UnionCredit union Belle Vernon, PA47 out of 100, Below average$39.7M9.4%5.02%vs
Norwin Teachers Federal Credit UnionCredit union North Huntingdo, PA73 out of 100, Strong$38.8M10.8%0.73%vs
Affiliated Trades Credit UnionCredit union Collegeville, PA53 out of 100, Below average$40.1M10.4%2.22%vs
New Directions Community Credit UnionCredit union Franklin, PA75 out of 100, Strong$40.7M14.5%0.76%vs
Visionary Federal Credit UnionCredit union Bridgeville, PA76 out of 100, Strong$40.8M12.7%1.31%vs

Deposit insurance

Is my money safe at A & S Federal Credit Union?

Yes. A & S Federal Credit Union is a federally insured credit union (NCUA charter #3741). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

A & S Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
A & S Federal Credit Union
Type
Federal credit union
NCUA charter #
3741
RSSD ID
314976
Primary regulator
NCUA
Established
1940
Headquarters
2090 Brodhead Rd, Aliquippa, PA 15001
Employees
6

Quick answers

A & S Federal Credit Union: common questions

Is A & S Federal Credit Union NCUA insured?

Yes. A & S Federal Credit Union is a federally insured credit union (NCUA charter #3741). 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 A & S Federal Credit Union's TellerScore?

95 out of 100 (Very 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 A & S Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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