TellerScore

Headquartered in Bethlehem, Pennsylvania, Bethlehem 1st Federal Credit Union is a federal credit union with $75.7M in total assets and $67.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1935.

Based on its Q2 2026 filing, Bethlehem 1st Federal Credit Union scores 68/100, which we describe as moderate. That is higher than only 36% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 187th. Its strongest component is funding & liquidity (100/100; 34% loans-to-deposits, 7% uninsured), and its lowest is loan quality (30/100; 2.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.36%
Loan quality30/100
Loans 60+ days delinquent ÷ total loans: 2.11%
Earnings69/100
Return on assets (annualized): 1.21%
Funding & liquidity100/100
Loans ÷ shares: 34.2% · 7.4% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.16%

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 fell 9 points (77 → 68), mostly because the loan quality component weakened by 41 points.

TellerScore
687479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202475
Q4 202476
Q1 202576
Q2 202577
Q3 202579
Q4 202578
Q1 202677
Q2 202668
Net worth ratio
7.00%9.73%12.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.31%
Q3 202412.02%
Q4 202411.97%
Q1 202511.92%
Q2 202512.27%
Q3 202512.45%
Q4 202512.27%
Q1 202612.46%
Q2 202612.36%
Delinquent loans (60+ days)
0.54%1.32%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.88%
Q4 20240.84%
Q1 20250.79%
Q2 20250.87%
Q3 20250.54%
Q4 20250.55%
Q1 20260.70%
Q2 20262.11%
Return on assets
0.79%1.00%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20241.00%
Q4 20241.10%
Q1 20251.01%
Q2 20251.06%
Q3 20250.94%
Q4 20250.86%
Q1 20260.88%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$75.7M12.36%2.11%1.21%34.2%
Q1 202677$73.2M12.46%0.70%0.88%37.1%
Q4 202578$72.5M12.27%0.55%0.86%39.8%
Q3 202579$70.1M12.45%0.54%0.94%41.5%
Q2 202577$69.5M12.27%0.87%1.06%34.8%
Q1 202576$69.6M11.92%0.79%1.01%35.0%
Q4 202476$67.8M11.97%0.84%1.10%36.4%
Q3 202475$67.4M12.02%0.88%1.00%37.6%
Q2 202473$68.0M11.31%0.72%0.79%37.3%

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).

Capital ratio12.36%
34th
Problem loans2.11%
20th
Net charge-offs0.44%
30th
Return on assets1.21%
76th
Loans to deposits34.2%
85th
Uninsured deposits7.4%
12th
Loan-loss reserves0.00%
37th
Texas ratio5.2%
29th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA93 out of 100, Very strong$76.7M15.3%0.40%vs
Blair County Federal Credit UnionCredit union Altoona, PA97 out of 100, Very strong$78.0M22.8%0.40%vs
Galaxy Federal Credit UnionCredit union Franklin, PA85 out of 100, Very strong$72.6M17.3%0.27%vs
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
Access Credit UnionCredit union Bristol, PA78 out of 100, Strong$70.3M11.8%0.16%vs

Deposit insurance

Is my money safe at Bethlehem 1st Federal Credit Union?

Yes. Bethlehem 1st Federal Credit Union is a federally insured credit union (NCUA charter #716). 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 7.4% of shares and deposits ($5.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.36%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Bethlehem 1st Federal Credit Union
Type
Federal credit union
NCUA charter #
716
RSSD ID
983970
Primary regulator
NCUA
Established
1935
Headquarters
2317 Easton Ave, Bethlehem, PA 18017
Employees
9

Quick answers

Bethlehem 1st Federal Credit Union: common questions

Is Bethlehem 1st Federal Credit Union NCUA insured?

Yes. Bethlehem 1st Federal Credit Union is a federally insured credit union (NCUA charter #716). 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 Bethlehem 1st Federal Credit Union's TellerScore?

68 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 Bethlehem 1st Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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