Armco Credit Union is a federally insured state-chartered credit union headquartered in Butler, Pennsylvania, in business for about 91 years. At the end of Q2 2026 it reported $719.5M in total assets and $622.4M in member shares and deposits, with 4 offices.
Armco 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 104th. Problem-loan coverage contributes the most (94/100, 2.9%); earnings contributes the least (58/100, 0.96%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 82 |
| Q4 2024 | 80 |
| Q1 2025 | 75 |
| Q2 2025 | 78 |
| Q3 2025 | 77 |
| Q4 2025 | 79 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.00% |
| Q3 2024 | 13.90% |
| Q4 2024 | 13.67% |
| Q1 2025 | 13.11% |
| Q2 2025 | 12.97% |
| Q3 2025 | 12.70% |
| Q4 2025 | 13.35% |
| Q1 2026 | 13.39% |
| Q2 2026 | 13.66% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.46% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.55% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.10% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $719.5M | 13.66% | 0.55% | 0.96% | 82.5% |
| Q1 2026 | 78 | $717.6M | 13.39% | 0.47% | 0.72% | 80.1% |
| Q4 2025 | 79 | $710.1M | 13.35% | 0.54% | 0.88% | 76.0% |
| Q3 2025 | 77 | $700.5M | 12.70% | 0.46% | 0.87% | 75.8% |
| Q2 2025 | 78 | $691.5M | 12.97% | 0.37% | 0.73% | 76.7% |
| Q1 2025 | 75 | $650.7M | 13.11% | 0.57% | 0.57% | 78.7% |
| Q4 2024 | 80 | $617.1M | 13.67% | 0.59% | 1.10% | 79.4% |
| Q3 2024 | 82 | $593.8M | 13.90% | 0.45% | 1.12% | 84.1% |
| Q2 2024 | 84 | $578.2M | 14.00% | 0.28% | 1.18% | 87.4% |
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).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Apci Federal Credit UnionCredit union Lehigh Valley, PA | 70 out of 100, Strong | $678.2M | 9.1% | 0.09% | vs |
| Erie Federal Credit UnionCredit union Erie, PA | 72 out of 100, Strong | $808.0M | 10.6% | 0.62% | vs |
| Service 1st Federal Credit UnionCredit union Danville, PA | 71 out of 100, Strong | $837.1M | 11.1% | 0.49% | vs |
| Ardent Federal Credit UnionCredit union Phila, PA | 64 out of 100, Moderate | $869.3M | 10.1% | 0.53% | vs |
| Lebanon Federal Credit UnionCredit union Lebanon, PA | 70 out of 100, Strong | $539.7M | 9.9% | 0.61% | vs |
| Sun East Federal Credit UnionCredit union Aston, PA | 54 out of 100, Below average | $908.6M | 8.6% | 1.11% | vs |
Deposit insurance
Is my money safe at Armco Credit Union?
Yes. Armco Credit Union is a federally insured credit union (NCUA charter #65291). 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 3.7% of shares and deposits ($23.0M) 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 13.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Armco Credit Union lists 4 offices in 3 cities. Most locations:
- Butler, PA (2)
- Karns City, PA (1)
- Pittsburgh, PA (1)
HMDA 2025
Mortgage lending
In 2025, Armco Credit Union reported 802 home-loan applications under HMDA (LEI 549300YL0FE99QLVY380): 662 originated ($67,750,000 total), 85 denied, and 52 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.3%, 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
- Armco Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65291
- RSSD ID
- 365398
- Primary regulator
- State + NCUA
- Established
- 1935
- Headquarters
- P.O. Box 1589, Butler, PA 16003
- Employees
- 103
Quick answers
Armco Credit Union: common questions
Is Armco Credit Union NCUA insured?
Yes. Armco Credit Union is a federally insured credit union (NCUA charter #65291). 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 Armco 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 Armco Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Butler
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Moonlight Federal Credit UnionCredit union Worthington, PA | 94 out of 100, Very strong | $53.6M | 17.9% | 0.06% | vs |
| Sca Federal Credit UnionCredit union New Castle, PA | 94 out of 100, Very strong | $17.4M | 19.7% | 0.09% | vs |
| Freedom United Federal Credit UnionCredit union Rochester, PA | 93 out of 100, Very strong | $94.2M | 19.0% | 0.84% | vs |
| Grove City Area Federal Credit UnionCredit union Grove City, PA | 87 out of 100, Very strong | $152.8M | 15.3% | 1.33% | vs |
| Elliott Community Federal Credit UnionCredit union Jeannette, PA | 86 out of 100, Very strong | $53.7M | 15.2% | 0.38% | vs |
| Sru Federal Credit UnionCredit union Slippery Rock, PA | 83 out of 100, Strong | $67.1M | 12.8% | 0.54% | vs |