TellerScore

Altoona Area Employees Federal Credit Union is a federal credit union headquartered in Altoona, Pennsylvania, in business for about 45 years. At the end of Q2 2026 it reported $19.4M in total assets and $17.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Altoona Area Employees Federal Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 72nd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (65/100; 11.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.50%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity100/100
Loans ÷ shares: 32.3% · 0.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 4 points (80 → 84), mostly because the earnings component improved by 10 points.

TellerScore
747984Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202477
Q1 202579
Q2 202580
Q3 202580
Q4 202579
Q1 202680
Q2 202684
Net worth ratio
7.00%9.25%11.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.79%
Q3 202410.16%
Q4 202410.28%
Q1 202510.23%
Q2 202510.68%
Q3 202510.88%
Q4 202510.70%
Q1 202610.74%
Q2 202611.50%
Delinquent loans (60+ days)
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.04%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.75%1.04%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.85%
Q4 20240.87%
Q1 20251.15%
Q2 20251.09%
Q3 20251.04%
Q4 20250.97%
Q1 20261.14%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$19.4M11.50%0.00%1.32%32.3%
Q1 202680$20.1M10.74%0.00%1.14%29.0%
Q4 202579$19.7M10.70%0.00%0.97%27.9%
Q3 202580$18.9M10.88%0.04%1.04%30.1%
Q2 202580$18.9M10.68%0.00%1.09%30.9%
Q1 202579$19.2M10.23%0.00%1.15%31.2%
Q4 202477$18.6M10.28%0.00%0.87%34.3%
Q3 202476$18.4M10.16%0.00%0.85%36.0%
Q2 202474$18.6M9.79%0.03%0.75%35.6%

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 ratio11.50%
27th
Problem loans0.00%
94th
Net charge-offs-0.11%
94th
Return on assets1.32%
80th
Loans to deposits32.3%
86th
Uninsured deposits0.8%
56th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Alleg-Kiski Postal Federal Credit UnionCredit union New Kensington, PA78 out of 100, Strong$19.5M19.0%1.84%vs
Ppg & Associates Federal Credit UnionCredit union Creighton, PA82 out of 100, Strong$19.6M16.7%0.42%vs
Cal-Ed Federal Credit UnionCredit union California, PA55 out of 100, Moderate$19.2M14.1%3.50%vs
Fayette Federal Employees Federal Credit UnionCredit union Uniontown, PA91 out of 100, Very strong$19.8M14.3%0.41%vs
Tri State Rail Federal Credit UnionCredit union Erie, PA84 out of 100, Strong$19.9M20.0%0.50%vs
Southwest Communities Federal Credit UnionCredit union Carnegie, PA69 out of 100, Moderate$18.6M10.3%0.17%vs

Deposit insurance

Is my money safe at Altoona Area Employees Federal Credit Union?

Yes. Altoona Area Employees Federal Credit Union is a federally insured credit union (NCUA charter #23753). 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 0.8% of shares and deposits ($143K) 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 11.50%, 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

Altoona Area Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Altoona Area Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
23753
RSSD ID
840194
Primary regulator
NCUA
Established
1981
Headquarters
908 Pleasant Valley Blvd, Altoona, PA 16602
Employees
5

Quick answers

Altoona Area Employees Federal Credit Union: common questions

Is Altoona Area Employees Federal Credit Union NCUA insured?

Yes. Altoona Area Employees Federal Credit Union is a federally insured credit union (NCUA charter #23753). 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 Altoona Area Employees Federal Credit Union's TellerScore?

84 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 Altoona Area Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Altoona

InstitutionScoreAssetsCapitalProblem loansCompare
Blair County Federal Credit UnionCredit union Altoona, PA97 out of 100, Very strong$78.0M22.8%0.40%vs
A.B. Federal Credit UnionCredit union Duncansville, PA91 out of 100, Very strong$10.5M14.8%0.08%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Investment Savings BankBank Altoona, PA86 out of 100, Very strong$105.2M21.7%0.13%vs
Your Choice Federal Credit UnionCredit union Altoona, PA85 out of 100, Very strong$14.0M12.6%0.09%vs