TellerScore

Bradford Area Federal Credit Union is a federal credit union headquartered in Bradford, Pennsylvania, in business for about 66 years. At the end of Q2 2026 it reported $11.4M in total assets and $9.8M in member shares and deposits, with 1 office.

Bradford Area Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 115th. Problem-loan coverage contributes the most (98/100, 1.2%); earnings contributes the least (27/100, 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.71%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.30%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity93/100
Loans ÷ shares: 67.4% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.25%

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 rose 7 points (71 → 78), mostly because the loan quality component improved by 17 points.

TellerScore
677378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202467
Q4 202470
Q1 202570
Q2 202571
Q3 202573
Q4 202573
Q1 202676
Q2 202678
Net worth ratio
7.00%10.79%14.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.58%
Q3 202414.04%
Q4 202413.30%
Q1 202512.71%
Q2 202513.12%
Q3 202512.89%
Q4 202513.22%
Q1 202613.09%
Q2 202613.71%
Delinquent loans (60+ days)
0.30%0.79%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.00%
Q3 20241.28%
Q4 20240.92%
Q1 20250.93%
Q2 20250.80%
Q3 20250.68%
Q4 20250.62%
Q1 20260.57%
Q2 20260.30%
Return on assets
-0.30%0.05%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.30%
Q3 2024-0.11%
Q4 2024-0.06%
Q1 20250.13%
Q2 20250.05%
Q3 20250.20%
Q4 20250.06%
Q1 20260.40%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$11.4M13.71%0.30%0.18%67.4%
Q1 202676$11.9M13.09%0.57%0.40%62.2%
Q4 202573$11.6M13.22%0.62%0.06%64.7%
Q3 202573$12.0M12.89%0.68%0.20%63.3%
Q2 202571$11.8M13.12%0.80%0.05%62.9%
Q1 202570$11.9M12.71%0.93%0.13%55.3%
Q4 202470$11.5M13.30%0.92%-0.06%59.0%
Q3 202467$10.7M14.04%1.28%-0.11%66.8%
Q2 202470$10.3M14.58%1.00%-0.30%69.9%

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 ratio13.71%
45th
Problem loans0.30%
69th
Net charge-offs-0.22%
96th
Return on assets0.18%
26th
Loans to deposits67.4%
37th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.2%
62nd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA95 out of 100, Very strong$11.7M20.9%0.09%vs
Clairton Works Federal Credit UnionCredit union Clairton, PA87 out of 100, Very strong$11.8M15.2%0.06%vs
Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA76 out of 100, Strong$11.9M10.3%0.04%vs
I B E W Local 56 Federal Credit UnionCredit union Erie, PA67 out of 100, Moderate$10.8M13.0%2.27%vs
Cmc-Fcpi Employees Federal Credit UnionCredit union Scranton, PA75 out of 100, Strong$10.8M11.7%0.44%vs
Allegheny Valley Federal Credit UnionCredit union Pittsburgh, PA85 out of 100, Very strong$10.8M31.3%0.12%vs

Deposit insurance

Is my money safe at Bradford Area Federal Credit Union?

Yes. Bradford Area Federal Credit Union is a federally insured credit union (NCUA charter #13823). 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 13.71%, 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

Bradford Area Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bradford Area Federal Credit Union
Type
Federal credit union
NCUA charter #
13823
RSSD ID
436289
Primary regulator
NCUA
Established
1960
Headquarters
52 Davis St, Ste 1, Bradford, PA 16701
Employees
3

Quick answers

Bradford Area Federal Credit Union: common questions

Is Bradford Area Federal Credit Union NCUA insured?

Yes. Bradford Area Federal Credit Union is a federally insured credit union (NCUA charter #13823). 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 Bradford Area Federal Credit Union's TellerScore?

78 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 Bradford Area Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bradford

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Bradford Area School Employees Federal Credit UnionCredit union Bradford, PA90 out of 100, Very strong$1.1M22.9%0.12%vs
Hamlin Bank and Trust CompanyBank Smethport, PA89 out of 100, Very strong$503.4M20.0%0.96%vs
High Point Federal Credit UnionCredit union Olean, NY87 out of 100, Very strong$430.1M14.3%0.67%vs
Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY84 out of 100, Strong$85.5M11.0%0.02%vs
C C S E Federal Credit UnionCredit union Salamanca, NY78 out of 100, Strong$61.1M10.9%0.37%vs