Headquartered in Kittanning, Pennsylvania, Armstrong Co. Federal Emp. Federal Credit Union is a federal credit union with $17.6M in total assets and $14.9M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1969.
Based on its Q2 2026 filing, Armstrong Co. Federal Emp. Federal Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 73rd. Its strongest component is capital cushion (100/100; 15.45%), and its lowest is earnings (47/100; 0.68%).
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
From Q2 2025 to Q2 2026, the score fell 2 points (86 → 84), mostly because the earnings component weakened by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 82 |
| Q4 2024 | 87 |
| Q1 2025 | 87 |
| Q2 2025 | 86 |
| Q3 2025 | 86 |
| Q4 2025 | 85 |
| Q1 2026 | 87 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.71% |
| Q3 2024 | 14.04% |
| Q4 2024 | 14.28% |
| Q1 2025 | 14.57% |
| Q2 2025 | 14.50% |
| Q3 2025 | 14.98% |
| Q4 2025 | 15.37% |
| Q1 2026 | 15.18% |
| Q2 2026 | 15.45% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.88% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.64% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.46% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.11% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $17.6M | 15.45% | 0.64% | 0.68% | 22.6% |
| Q1 2026 | 87 | $17.7M | 15.18% | 0.22% | 0.58% | 22.9% |
| Q4 2025 | 85 | $17.3M | 15.37% | 0.88% | 1.11% | 24.3% |
| Q3 2025 | 86 | $17.4M | 14.98% | 0.68% | 1.04% | 24.4% |
| Q2 2025 | 86 | $17.7M | 14.50% | 0.70% | 1.21% | 22.7% |
| Q1 2025 | 87 | $17.4M | 14.57% | 0.80% | 1.46% | 22.5% |
| Q4 2024 | 87 | $17.3M | 14.28% | 0.33% | 0.99% | 20.6% |
| Q3 2024 | 82 | $17.2M | 14.04% | 0.78% | 0.92% | 19.2% |
| Q2 2024 | 86 | $17.7M | 12.71% | 0.00% | 1.10% | 18.3% |
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).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sca Federal Credit UnionCredit union New Castle, PA | 94 out of 100, Very strong | $17.4M | 19.7% | 0.09% | vs |
| Saint Vincent Erie Federal Credit UnionCredit union Erie, PA | 77 out of 100, Strong | $17.9M | 12.2% | 0.86% | vs |
| Kinzua Federal Credit UnionCredit union Warren, PA | 88 out of 100, Very strong | $16.7M | 14.7% | 0.11% | vs |
| Stanwood Area Federal Credit UnionCredit union New Stanton, PA | 62 out of 100, Moderate | $18.6M | 10.4% | 1.07% | vs |
| Southwest Communities Federal Credit UnionCredit union Carnegie, PA | 69 out of 100, Moderate | $18.6M | 10.3% | 0.17% | vs |
| Hill District Federal Credit UnionCredit union Pittsburgh, PA | 58 out of 100, Moderate | $16.5M | 25.5% | 26.24% | vs |
Deposit insurance
Is my money safe at Armstrong Co. Federal Emp. Federal Credit Union?
Yes. Armstrong Co. Federal Emp. Federal Credit Union is a federally insured credit union (NCUA charter #19745). 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 3.0% of shares and deposits ($450K) 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 15.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Armstrong Co. Federal Emp. Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:
- Amherst, NY (2)
- Kittanning, PA (1)
Identity & history
Profile
- Legal name
- Armstrong Co. Federal Emp. Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 19745
- RSSD ID
- 859486
- Primary regulator
- NCUA
- Established
- 1969
- Headquarters
- P O Box 210, Kittanning, PA 16201
- Employees
- 4
Quick answers
Armstrong Co. Federal Emp. Federal Credit Union: common questions
Is Armstrong Co. Federal Emp. Federal Credit Union NCUA insured?
Yes. Armstrong Co. Federal Emp. Federal Credit Union is a federally insured credit union (NCUA charter #19745). 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 Co. Federal Emp. Federal Credit Union's TellerScore?
84 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 Co. Federal Emp. Federal Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Kittanning
| 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 |
| Cheswick Atomic Division Federal Credit UnionCredit union Harwick, PA | 89 out of 100, Very strong | $4.8M | 33.9% | 0.09% | vs |
| Ppg & Associates Federal Credit UnionCredit union Creighton, PA | 82 out of 100, Strong | $19.6M | 16.7% | 0.42% | vs |
| Avh Federal Credit UnionCredit union Natrona Heights, PA | 80 out of 100, Strong | $4.4M | 37.7% | 0.85% | vs |
| Armco Credit UnionCredit union Butler, PA | 79 out of 100, Strong | $719.5M | 13.7% | 0.55% | vs |
| Usx Federal Credit UnionCredit union Cranberry Twp, PA | 78 out of 100, Strong | $258.1M | 12.5% | 0.18% | vs |