Bradford Area School Employees Federal Credit Union (NCUA charter #24857) is based in Bradford, Pennsylvania. Its Q2 2026 call report shows $1.1M in total assets and $842K in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Bradford Area School Employees Federal Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 39th. Its strongest component is capital cushion (100/100; 22.87%), and its lowest is funding & liquidity (50/100; 116% loans-to-deposits, 0% uninsured).
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 rose 3 points (87 → 90), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 56 |
| Q4 2024 | 59 |
| Q1 2025 | 73 |
| Q2 2025 | 87 |
| Q3 2025 | 84 |
| Q4 2025 | 85 |
| Q1 2026 | 81 |
| Q2 2026 | 90 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 22.00% |
| Q3 2024 | 21.80% |
| Q4 2024 | 22.00% |
| Q1 2025 | 21.78% |
| Q2 2025 | 21.11% |
| Q3 2025 | 21.09% |
| Q4 2025 | 21.86% |
| Q1 2026 | 22.46% |
| Q2 2026 | 22.87% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 3.16% |
| Q4 2024 | 2.80% |
| Q1 2025 | 1.42% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.14% |
| Q1 2026 | 1.27% |
| Q2 2026 | 0.12% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.88% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.26% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.26% |
| Q1 2026 | 2.06% |
| Q2 2026 | 1.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $1.1M | 22.87% | 0.12% | 1.80% | 115.8% |
| Q1 2026 | 81 | $1.1M | 22.46% | 1.27% | 2.06% | 109.2% |
| Q4 2025 | 85 | $1.1M | 21.86% | 0.14% | 1.26% | 111.2% |
| Q3 2025 | 84 | $1.1M | 21.09% | 0.17% | 1.07% | 106.6% |
| Q2 2025 | 87 | $1.1M | 21.11% | 0.23% | 1.26% | 91.6% |
| Q1 2025 | 73 | $1.1M | 21.78% | 1.42% | 1.08% | 104.7% |
| Q4 2024 | 59 | $1.0M | 22.00% | 2.80% | 0.88% | 106.3% |
| Q3 2024 | 56 | $1.0M | 21.80% | 3.16% | 0.78% | 106.9% |
| Q2 2024 | 75 | $1.0M | 22.00% | 0.80% | 0.77% | 113.5% |
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).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| E R R L Federal Credit UnionCredit union Wyndmoor, PA | 67 out of 100, Moderate | $1.0M | 10.6% | 0.00% | vs |
| New Life Federal Credit UnionCredit union Philadelphia, PA | 80 out of 100, Strong | $843K | 23.1% | 0.00% | vs |
| Mount Carmel Baptist Federal Credit UnionCredit union Philadelphia, PA | 80 out of 100, Strong | $780K | 21.9% | 0.00% | vs |
| Steamfitters Phila Federal Credit UnionCredit union West Chester, PA | 87 out of 100, Very strong | $744K | 15.5% | 0.00% | vs |
| B V M S N Federal Credit UnionCredit union Walnutport, PA | 87 out of 100, Very strong | $1.7M | 22.2% | 0.00% | vs |
| Berylco Employees' Credit UnionCredit union Hamburg, PA | 87 out of 100, Very strong | $1.7M | 61.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Bradford Area School Employees Federal Credit Union?
Yes. Bradford Area School Employees Federal Credit Union is a federally insured credit union (NCUA charter #24857). 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 22.87%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Bradford Area School Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Bradford, PA (1)
Identity & history
Profile
- Legal name
- Bradford Area School Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24857
- RSSD ID
- 286194
- Primary regulator
- NCUA
- Established
- 1939
- Headquarters
- 125 Main Street, Suite 206, Bradford, PA 16701
- Employees
- 2
Quick answers
Bradford Area School Employees Federal Credit Union: common questions
Is Bradford Area School Employees Federal Credit Union NCUA insured?
Yes. Bradford Area School Employees Federal Credit Union is a federally insured credit union (NCUA charter #24857). 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 School Employees Federal Credit Union's TellerScore?
90 out of 100 (Very 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 School Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Bradford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA | 99 out of 100, Very strong | $174.2M | 19.7% | 0.08% | vs |
| Hamlin Bank and Trust CompanyBank Smethport, PA | 89 out of 100, Very strong | $503.4M | 20.0% | 0.96% | vs |
| High Point Federal Credit UnionCredit union Olean, NY | 87 out of 100, Very strong | $430.1M | 14.3% | 0.67% | vs |
| Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY | 84 out of 100, Strong | $85.5M | 11.0% | 0.02% | vs |
| Bradford Area Federal Credit UnionCredit union Bradford, PA | 78 out of 100, Strong | $11.4M | 13.7% | 0.30% | vs |
| C C S E Federal Credit UnionCredit union Salamanca, NY | 78 out of 100, Strong | $61.1M | 10.9% | 0.37% | vs |