TellerScore

Headquartered in Shavertown, Pennsylvania, Back Mountain Federal Credit Union is a federal credit union with $6.9M in total assets and $5.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1973.

Based on its Q2 2026 filing, Back Mountain Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 23% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 226th. Its strongest component is capital cushion (100/100; 27.68%), and its lowest is loan quality (0/100; 6.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.68%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.80%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity93/100
Loans ÷ shares: 67.6% · 0.0% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.82%

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 (61 → 61).

TellerScore
606671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202462
Q1 202560
Q2 202561
Q3 202571
Q4 202562
Q1 202663
Q2 202661
Net worth ratio
7.00%17.34%27.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.79%
Q3 202420.20%
Q4 202421.31%
Q1 202521.56%
Q2 202521.73%
Q3 202523.03%
Q4 202523.37%
Q1 202623.52%
Q2 202627.68%
Delinquent loans (60+ days)
1.86%4.33%6.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.95%
Q3 20241.97%
Q4 20244.90%
Q1 20252.91%
Q2 20252.89%
Q3 20251.86%
Q4 20253.01%
Q1 20263.07%
Q2 20266.80%
Return on assets
0.14%0.40%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.58%
Q4 20240.58%
Q1 20250.14%
Q2 20250.21%
Q3 20250.37%
Q4 20250.51%
Q1 20260.67%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$6.9M27.68%6.80%0.64%67.6%
Q1 202663$8.1M23.52%3.07%0.67%54.3%
Q4 202562$8.1M23.37%3.01%0.51%53.9%
Q3 202571$8.1M23.03%1.86%0.37%55.4%
Q2 202561$8.5M21.73%2.89%0.21%51.0%
Q1 202560$8.6M21.56%2.91%0.14%51.0%
Q4 202462$8.6M21.31%4.90%0.58%51.8%
Q3 202471$9.1M20.20%1.97%0.58%47.9%
Q2 202471$9.2M19.79%1.95%0.52%47.6%

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 ratio27.68%
92nd
Problem loans6.80%
4th
Net charge-offs0.47%
28th
Return on assets0.64%
50th
Loans to deposits67.6%
37th
Uninsured deposits0.0%
81st
Loan-loss reserves0.78%
80th
Texas ratio11.8%
10th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
U.A.L.U. 354 Federal Credit UnionCredit union Youngwood, PA79 out of 100, Strong$6.9M11.7%0.41%vs
Ukrainian Selfreliance of West. Pa. Federal Credit UnionCredit union Carnegie, PA44 out of 100, Below average$6.7M10.3%2.10%vs
Par-Del Emp. Federal Credit UnionCredit union Wyoming, PA75 out of 100, Strong$7.2M15.7%1.70%vs
Northwood Federal Credit UnionCredit union Philadelphia, PA75 out of 100, Strong$6.6M19.7%0.63%vs
Pace Resources Federal Credit UnionCredit union York, PA80 out of 100, Strong$6.5M17.9%1.01%vs
Post Gazette Federal Credit UnionCredit union Pittsburgh, PA52 out of 100, Below average$7.4M67.8%3.42%vs

Deposit insurance

Is my money safe at Back Mountain Federal Credit Union?

Yes. Back Mountain Federal Credit Union is a federally insured credit union (NCUA charter #21458). 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 0.0% of shares and deposits ($0) 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 27.68%, well 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

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

  • Shavertown, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Back Mountain Federal Credit Union
Type
Federal credit union
NCUA charter #
21458
RSSD ID
344786
Primary regulator
NCUA
Established
1973
Headquarters
Po Box 1834, Shavertown, PA 18708
Employees
3

Quick answers

Back Mountain Federal Credit Union: common questions

Is Back Mountain Federal Credit Union NCUA insured?

Yes. Back Mountain Federal Credit Union is a federally insured credit union (NCUA charter #21458). 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 Back Mountain Federal Credit Union's TellerScore?

61 out of 100 (Moderate), 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 Back Mountain Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
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