TellerScore

Headquartered in State College, Pennsylvania, Arize Federal Credit Union is a federal credit union with $175.9M in total assets and $162.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1978.

Based on its Q2 2026 filing, Arize Federal Credit Union scores 40/100, which we describe as below average. That is higher than only 1% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 267th. Its strongest component is funding & liquidity (86/100; 74% loans-to-deposits, 4% uninsured), and its lowest is earnings (28/100; 0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Net worth ratio: 7.82%
Loan quality29/100
Loans 60+ days delinquent ÷ total loans: 2.12%
Earnings28/100
Return on assets (annualized): 0.19%
Funding & liquidity86/100
Loans ÷ shares: 74.3% · 4.4% uninsured
Problem-loan coverage62/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 19.16%

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 2 points (38 → 40), mostly because the loan quality component improved by 18 points.

TellerScore
374859Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202459
Q4 202457
Q1 202545
Q2 202538
Q3 202537
Q4 202538
Q1 202649
Q2 202640
Net worth ratio
7.00%7.81%8.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.21%
Q3 20248.62%
Q4 20248.45%
Q1 20258.34%
Q2 20258.52%
Q3 20257.71%
Q4 20258.14%
Q1 20268.14%
Q2 20267.82%
Delinquent loans (60+ days)
0.65%1.70%2.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.81%
Q4 20241.01%
Q1 20251.89%
Q2 20252.66%
Q3 20252.61%
Q4 20252.75%
Q1 20261.70%
Q2 20262.12%
Return on assets
0.19%0.39%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.54%
Q4 20240.58%
Q1 20250.19%
Q2 20250.23%
Q3 20250.29%
Q4 20250.44%
Q1 20260.59%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202640$175.9M7.82%2.12%0.19%74.3%
Q1 202649$175.2M8.14%1.70%0.59%71.2%
Q4 202538$172.1M8.14%2.75%0.44%72.5%
Q3 202537$176.6M7.71%2.61%0.29%69.5%
Q2 202538$162.3M8.52%2.66%0.23%74.6%
Q1 202545$164.4M8.34%1.89%0.19%71.9%
Q4 202457$161.4M8.45%1.01%0.58%71.4%
Q3 202459$154.7M8.62%0.81%0.54%74.3%
Q2 202458$158.6M8.21%0.65%0.38%71.1%

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 ratio7.82%
3rd
Problem loans2.12%
5th
Net charge-offs0.50%
35th
Return on assets0.19%
11th
Loans to deposits74.3%
53rd
Uninsured deposits4.4%
67th
Loan-loss reserves0.00%
50th
Texas ratio19.2%
3rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Frick Financial Federal Credit UnionCredit union Uniontown, PA60 out of 100, Moderate$174.7M12.9%2.97%vs
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Ussco Johnstown Federal Credit UnionCredit union Johnstown, PA78 out of 100, Strong$173.7M12.5%0.37%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Omega Federal Credit UnionCredit union Wexford, PA64 out of 100, Moderate$186.9M11.0%0.99%vs
Priority First Federal Credit UnionCredit union Du Bois, PA77 out of 100, Strong$187.3M12.1%0.81%vs

Deposit insurance

Is my money safe at Arize Federal Credit Union?

Yes. Arize Federal Credit Union is a federally insured credit union (NCUA charter #24187). 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 4.4% of shares and deposits ($7.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.82%, slightly 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Arize Federal Credit Union
Type
Federal credit union
NCUA charter #
24187
RSSD ID
929099
Primary regulator
NCUA
Established
1978
Headquarters
1145 Benner Pike, State College, PA 16801
Employees
37

Quick answers

Arize Federal Credit Union: common questions

Is Arize Federal Credit Union NCUA insured?

Yes. Arize Federal Credit Union is a federally insured credit union (NCUA charter #24187). 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 Arize Federal Credit Union's TellerScore?

40 out of 100 (Below average), 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 Arize Federal Credit Union have?

1 office as of the latest NCUA data.