TellerScore

Arc Federal Credit Union is a federal credit union headquartered in Altoona, Pennsylvania, in business for about 70 years. At the end of Q2 2026 it reported $154.0M in total assets and $133.1M in member shares and deposits, with 2 offices.

Arc Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 105th. Funding & liquidity contributes the most (100/100, 59% loans-to-deposits, 3% uninsured); loan quality contributes the least (56/100, 1.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.27%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.32%
Earnings81/100
Return on assets (annualized): 1.54%
Funding & liquidity100/100
Loans ÷ shares: 59.5% · 3.4% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.19%

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 7 points (72 → 79), mostly because the loan quality component improved by 13 points.

TellerScore
717782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202471
Q1 202574
Q2 202572
Q3 202574
Q4 202577
Q1 202682
Q2 202679
Net worth ratio
7.00%10.13%13.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.14%
Q3 202411.51%
Q4 202411.66%
Q1 202511.89%
Q2 202512.19%
Q3 202512.48%
Q4 202512.80%
Q1 202613.04%
Q2 202613.27%
Delinquent loans (60+ days)
0.84%1.28%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.09%
Q3 20241.25%
Q4 20241.62%
Q1 20251.32%
Q2 20251.72%
Q3 20251.57%
Q4 20251.51%
Q1 20260.84%
Q2 20261.32%
Return on assets
1.42%1.56%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.42%
Q3 20241.58%
Q4 20241.55%
Q1 20251.44%
Q2 20251.46%
Q3 20251.57%
Q4 20251.69%
Q1 20261.49%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$154.0M13.27%1.32%1.54%59.5%
Q1 202682$155.0M13.04%0.84%1.49%58.0%
Q4 202577$150.2M12.80%1.51%1.69%61.5%
Q3 202574$147.9M12.48%1.57%1.57%62.3%
Q2 202572$146.3M12.19%1.72%1.46%60.9%
Q1 202574$147.8M11.89%1.32%1.44%59.3%
Q4 202471$142.1M11.66%1.62%1.55%62.0%
Q3 202474$139.7M11.51%1.25%1.58%63.2%
Q2 202474$142.6M11.14%1.09%1.42%60.5%

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 ratio13.27%
72nd
Problem loans1.32%
18th
Net charge-offs0.38%
48th
Return on assets1.54%
89th
Loans to deposits59.5%
78th
Uninsured deposits3.4%
78th
Loan-loss reserves0.00%
50th
Texas ratio5.2%
37th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Grove City Area Federal Credit UnionCredit union Grove City, PA87 out of 100, Very strong$152.8M15.3%1.33%vs
Horizon Federal Credit UnionCredit union Williamsport, PA41 out of 100, Below average$152.4M9.0%2.32%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
Tendto Federal Credit UnionCredit union Erie, PA61 out of 100, Moderate$141.3M8.3%0.51%vs
The One Federal Credit UnionCredit union Meadville, PA61 out of 100, Moderate$139.3M8.7%0.38%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs

Deposit insurance

Is my money safe at Arc Federal Credit Union?

Yes. Arc Federal Credit Union is a federally insured credit union (NCUA charter #11304). 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 3.4% of shares and deposits ($4.5M) 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 13.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Arc Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Arc Federal Credit Union reported 120 home-loan applications under HMDA (LEI 549300VOPM5QG76KFF73): 106 originated ($9,530,000 total), 10 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, 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
Arc Federal Credit Union
Type
Federal credit union
NCUA charter #
11304
RSSD ID
687081
Primary regulator
NCUA
Established
1956
Headquarters
1919 7th Ave, Altoona, PA 16602
Employees
29

Quick answers

Arc Federal Credit Union: common questions

Is Arc Federal Credit Union NCUA insured?

Yes. Arc Federal Credit Union is a federally insured credit union (NCUA charter #11304). 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 Arc Federal Credit Union's TellerScore?

79 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 Arc Federal Credit Union have?

2 offices 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