TellerScore

Headquartered in Ford City, Pennsylvania, Armstrong Associates Federal Credit Union is a federal credit union with $82.3M in total assets and $71.3M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1958.

Based on its Q2 2026 filing, Armstrong Associates Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 136th. Its strongest component is funding & liquidity (100/100; 53% loans-to-deposits, 3% uninsured), and its lowest is earnings (41/100; 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.32%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity100/100
Loans ÷ shares: 52.9% · 2.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.13%

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 fell 6 points (81 → 75), mostly because the earnings component weakened by 26 points.

TellerScore
758084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202480
Q4 202479
Q1 202582
Q2 202581
Q3 202584
Q4 202578
Q1 202676
Q2 202675
Net worth ratio
7.00%10.09%13.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.19%
Q3 202412.51%
Q4 202412.42%
Q1 202512.38%
Q2 202512.64%
Q3 202513.18%
Q4 202512.64%
Q1 202612.37%
Q2 202612.32%
Delinquent loans (60+ days)
0.38%0.49%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.57%
Q4 20240.49%
Q1 20250.46%
Q2 20250.61%
Q3 20250.41%
Q4 20250.60%
Q1 20260.38%
Q2 20260.57%
Return on assets
0.39%0.84%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.06%
Q4 20240.90%
Q1 20251.29%
Q2 20251.17%
Q3 20251.19%
Q4 20250.83%
Q1 20260.39%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$82.3M12.32%0.57%0.52%52.9%
Q1 202676$80.8M12.37%0.38%0.39%52.5%
Q4 202578$78.4M12.64%0.60%0.83%56.6%
Q3 202584$75.7M13.18%0.41%1.19%58.6%
Q2 202581$77.2M12.64%0.61%1.17%55.6%
Q1 202582$77.1M12.38%0.46%1.29%55.6%
Q4 202479$74.9M12.42%0.49%0.90%58.0%
Q3 202480$74.0M12.51%0.57%1.06%60.2%
Q2 202480$74.4M12.19%0.44%1.08%59.5%

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 ratio12.32%
34th
Problem loans0.57%
55th
Net charge-offs0.48%
28th
Return on assets0.52%
43rd
Loans to deposits52.9%
59th
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
51st

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Deposit insurance

Is my money safe at Armstrong Associates Federal Credit Union?

Yes. Armstrong Associates Federal Credit Union is a federally insured credit union (NCUA charter #12438). 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 2.9% of shares and deposits ($2.0M) 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 12.32%, 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

Armstrong Associates Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Armstrong Associates Federal Credit Union reported 85 home-loan applications under HMDA (LEI 254900XJILJTNAUVMD85): 68 originated ($4,260,000 total), 12 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.6%, 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
Armstrong Associates Federal Credit Union
Type
Federal credit union
NCUA charter #
12438
RSSD ID
194187
Primary regulator
NCUA
Established
1958
Headquarters
PO Box 191, Ford City, PA 16226
Employees
24

Quick answers

Armstrong Associates Federal Credit Union: common questions

Is Armstrong Associates Federal Credit Union NCUA insured?

Yes. Armstrong Associates Federal Credit Union is a federally insured credit union (NCUA charter #12438). 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 Armstrong Associates Federal Credit Union's TellerScore?

75 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 Armstrong Associates Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ford City

InstitutionScoreAssetsCapitalProblem loansCompare
Moonlight Federal Credit UnionCredit union Worthington, PA94 out of 100, Very strong$53.6M17.9%0.06%vs
Cheswick Atomic Division Federal Credit UnionCredit union Harwick, PA89 out of 100, Very strong$4.8M33.9%0.09%vs
Allegheny Valley Federal Credit UnionCredit union Pittsburgh, PA85 out of 100, Very strong$10.8M31.3%0.12%vs
Armstrong Co. Federal Emp. Federal Credit UnionCredit union Kittanning, PA84 out of 100, Strong$17.6M15.4%0.64%vs
Ppg & Associates Federal Credit UnionCredit union Creighton, PA82 out of 100, Strong$19.6M16.7%0.42%vs
Avh Federal Credit UnionCredit union Natrona Heights, PA80 out of 100, Strong$4.4M37.7%0.85%vs