TellerScore

Allentown Federal Credit Union is a federal credit union headquartered in Allentown, Pennsylvania, in business for about 71 years. At the end of Q2 2026 it reported $127.7M in total assets and $106.5M in member shares and deposits, with 3 offices.

Allentown Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 62nd. Capital cushion contributes the most (100/100, 16.49%); earnings contributes the least (71/100, 1.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.49%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.76%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity92/100
Loans ÷ shares: 68.2% · 2.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.63%

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 11 points (75 → 86), mostly because the loan quality component improved by 38 points.

TellerScore
708090Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202488
Q4 202490
Q1 202583
Q2 202575
Q3 202570
Q4 202582
Q1 202687
Q2 202686
Net worth ratio
7.00%11.74%16.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.66%
Q3 202415.31%
Q4 202415.41%
Q1 202515.52%
Q2 202515.80%
Q3 202516.25%
Q4 202516.30%
Q1 202616.37%
Q2 202616.49%
Delinquent loans (60+ days)
0.42%1.45%2.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20240.64%
Q4 20240.42%
Q1 20251.02%
Q2 20251.89%
Q3 20252.49%
Q4 20251.20%
Q1 20260.70%
Q2 20260.76%
Return on assets
1.17%1.32%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.39%
Q3 20241.47%
Q4 20241.39%
Q1 20251.17%
Q2 20251.20%
Q3 20251.27%
Q4 20251.25%
Q1 20261.29%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$127.7M16.49%0.76%1.27%68.2%
Q1 202687$126.2M16.37%0.70%1.29%68.0%
Q4 202582$124.2M16.30%1.20%1.25%69.2%
Q3 202570$122.4M16.25%2.49%1.27%71.0%
Q2 202575$123.1M15.80%1.89%1.20%69.6%
Q1 202583$122.9M15.52%1.02%1.17%68.9%
Q4 202490$121.5M15.41%0.42%1.39%70.3%
Q3 202488$119.9M15.31%0.64%1.47%71.8%
Q2 202484$122.0M14.66%0.92%1.39%69.3%

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 ratio16.49%
92nd
Problem loans0.76%
44th
Net charge-offs-0.01%
99th
Return on assets1.27%
81st
Loans to deposits68.2%
64th
Uninsured deposits2.1%
90th
Loan-loss reserves0.00%
50th
Texas ratio2.6%
67th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs
Hershey Federal Credit UnionCredit union Hummelstown, PA61 out of 100, Moderate$125.8M9.5%0.58%vs
Tri Boro Federal Credit UnionCredit union Munhall, PA76 out of 100, Strong$130.6M14.5%0.94%vs
Lanco Federal Credit UnionCredit union Lancaster, PA71 out of 100, Strong$124.6M11.2%0.85%vs
Choice One Community Federal Credit UnionCredit union Plains Township, PA45 out of 100, Below average$130.9M10.1%2.86%vs
Ingersoll-Rand Federal Credit UnionCredit union Sayre, PA62 out of 100, Moderate$124.3M13.5%1.54%vs

Deposit insurance

Is my money safe at Allentown Federal Credit Union?

Yes. Allentown Federal Credit Union is a federally insured credit union (NCUA charter #10015). 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 2.1% of shares and deposits ($2.2M) 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 16.49%, 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

Allentown Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Allentown Federal Credit Union reported 172 home-loan applications under HMDA (LEI 254900FMHABGSWFKHL19): 169 originated ($20,555,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, 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
Allentown Federal Credit Union
Type
Federal credit union
NCUA charter #
10015
RSSD ID
68783
Primary regulator
NCUA
Established
1955
Headquarters
1325 Oxford Dr, Allentown, PA 18103
Employees
21

Quick answers

Allentown Federal Credit Union: common questions

Is Allentown Federal Credit Union NCUA insured?

Yes. Allentown Federal Credit Union is a federally insured credit union (NCUA charter #10015). 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 Allentown Federal Credit Union's TellerScore?

86 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 Allentown Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Allentown

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Lehigh County Employees Federal Credit UnionCredit union Allentown, PA96 out of 100, Very strong$33.1M15.7%0.00%vs
Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA95 out of 100, Very strong$11.7M20.9%0.09%vs
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
The Neffs National BankBank Neffs, PA87 out of 100, Very strong$470.8M16.8%0.04%vs
First National Bank and Trust Company of NewtownBank Newtown, PA87 out of 100, Very strong$1.2B12.9%0.00%vs