TellerScore

Apci Federal Credit Union (NCUA charter #9607) is based in Lehigh Valley, Pennsylvania. Its Q2 2026 call report shows $678.2M in total assets and $615.7M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Apci Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 176th. Its strongest component is funding & liquidity (100/100; 49% loans-to-deposits, 11% uninsured), and its lowest is earnings (41/100; 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.11%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity100/100
Loans ÷ shares: 49.2% · 10.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.45%

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 3 points (67 → 70), mostly because the earnings component improved by 9 points.

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202464
Q1 202567
Q2 202567
Q3 202566
Q4 202567
Q1 202669
Q2 202670
Net worth ratio
7.00%8.05%9.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.61%
Q3 20248.69%
Q4 20248.62%
Q1 20258.61%
Q2 20258.77%
Q3 20258.90%
Q4 20258.73%
Q1 20268.83%
Q2 20269.11%
Delinquent loans (60+ days)
0.05%0.14%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.12%
Q4 20240.12%
Q1 20250.05%
Q2 20250.11%
Q3 20250.23%
Q4 20250.12%
Q1 20260.06%
Q2 20260.09%
Return on assets
-0.13%0.20%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.13%
Q3 2024-0.03%
Q4 20240.06%
Q1 20250.28%
Q2 20250.31%
Q3 20250.29%
Q4 20250.32%
Q1 20260.50%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$678.2M9.11%0.09%0.52%49.2%
Q1 202669$689.3M8.83%0.06%0.50%46.3%
Q4 202567$686.9M8.73%0.12%0.32%46.1%
Q3 202566$665.7M8.90%0.23%0.29%46.8%
Q2 202567$670.5M8.77%0.11%0.31%46.6%
Q1 202567$676.3M8.61%0.05%0.28%45.4%
Q4 202464$670.3M8.62%0.12%0.06%45.9%
Q3 202464$658.6M8.69%0.12%-0.03%46.1%
Q2 202463$661.6M8.61%0.11%-0.13%45.4%

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 ratio9.11%
14th
Problem loans0.09%
96th
Net charge-offs0.03%
95th
Return on assets0.52%
32nd
Loans to deposits49.2%
91st
Uninsured deposits10.5%
15th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
95th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Armco Credit UnionCredit union Butler, PA79 out of 100, Strong$719.5M13.7%0.55%vs
Erie Federal Credit UnionCredit union Erie, PA72 out of 100, Strong$808.0M10.6%0.62%vs
Lebanon Federal Credit UnionCredit union Lebanon, PA70 out of 100, Strong$539.7M9.9%0.61%vs
Service 1st Federal Credit UnionCredit union Danville, PA71 out of 100, Strong$837.1M11.1%0.49%vs
Ardent Federal Credit UnionCredit union Phila, PA64 out of 100, Moderate$869.3M10.1%0.53%vs
Lehigh Valley Educators Credit UnionCredit union Allentown, PA83 out of 100, Strong$485.2M15.5%1.09%vs

Deposit insurance

Is my money safe at Apci Federal Credit Union?

Yes. Apci Federal Credit Union is a federally insured credit union (NCUA charter #9607). 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 10.5% of shares and deposits ($64.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.11%, 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

Apci Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Apci Federal Credit Union reported 209 home-loan applications under HMDA (LEI 5493002QP2ONO47G5R24): 168 originated ($32,670,000 total), 13 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, 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
Apci Federal Credit Union
Type
Federal credit union
NCUA charter #
9607
RSSD ID
84989
Primary regulator
NCUA
Established
1954
Headquarters
PO Box 20147, Lehigh Valley, PA 18002
Employees
57

Quick answers

Apci Federal Credit Union: common questions

Is Apci Federal Credit Union NCUA insured?

Yes. Apci Federal Credit Union is a federally insured credit union (NCUA charter #9607). 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 Apci Federal Credit Union's TellerScore?

70 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 Apci Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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