TellerScore

Butler County Teachers Federal Credit Union (NCUA charter #3085) is based in Butler, Pennsylvania. Its Q2 2026 call report shows $28.9M in total assets and $24.8M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Butler County Teachers Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 96th. Its strongest component is earnings (100/100; 2.27%), and its lowest is loan quality (38/100; 1.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.76%
Loan quality38/100
Loans 60+ days delinquent ÷ total loans: 1.85%
Earnings100/100
Return on assets (annualized): 2.27%
Funding & liquidity100/100
Loans ÷ shares: 29.9% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.45%

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 4 points (84 → 80), mostly because the loan quality component weakened by 38 points.

TellerScore
697784Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202475
Q1 202582
Q2 202584
Q3 202583
Q4 202575
Q1 202673
Q2 202680
Net worth ratio
7.00%10.38%13.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.51%
Q3 202410.00%
Q4 202410.64%
Q1 202511.13%
Q2 202511.66%
Q3 202512.31%
Q4 202512.88%
Q1 202613.23%
Q2 202613.76%
Delinquent loans (60+ days)
0.71%1.57%2.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.23%
Q3 20241.27%
Q4 20241.18%
Q1 20250.71%
Q2 20250.71%
Q3 20251.01%
Q4 20252.17%
Q1 20262.43%
Q2 20261.85%
Return on assets
1.57%1.92%2.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.57%
Q3 20241.72%
Q4 20241.82%
Q1 20251.94%
Q2 20252.12%
Q3 20252.21%
Q4 20252.23%
Q1 20262.16%
Q2 20262.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$28.9M13.76%1.85%2.27%29.9%
Q1 202673$28.7M13.23%2.43%2.16%31.6%
Q4 202575$28.3M12.88%2.17%2.23%33.6%
Q3 202583$28.3M12.31%1.01%2.21%35.9%
Q2 202584$28.5M11.66%0.71%2.12%37.0%
Q1 202582$28.4M11.13%0.71%1.94%38.6%
Q4 202475$28.4M10.64%1.18%1.82%41.0%
Q3 202471$28.8M10.00%1.27%1.72%41.6%
Q2 202469$28.7M9.51%1.23%1.57%41.0%

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 ratio13.76%
45th
Problem loans1.85%
23rd
Net charge-offs0.48%
28th
Return on assets2.27%
96th
Loans to deposits29.9%
89th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.4%
39th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Paac Transit Division Federal Credit UnionCredit union Pittsburgh, PA76 out of 100, Strong$29.2M17.6%2.04%vs
First Area Federal Credit UnionCredit union Lewistown, PA71 out of 100, Strong$29.9M10.1%1.15%vs
Pinpoint Federal Credit UnionCredit union Milton, PA36 out of 100, Low$30.2M8.4%3.51%vs
Community Connect Federal Credit UnionCredit union Titusville, PA82 out of 100, Strong$27.4M12.7%0.59%vs
Eqt Federal Credit UnionCredit union Pittsburgh, PA67 out of 100, Moderate$27.1M18.0%2.21%vs
Penlanco Federal Credit UnionCredit union Lancaster, PA77 out of 100, Strong$26.9M12.5%0.15%vs

Deposit insurance

Is my money safe at Butler County Teachers Federal Credit Union?

Yes. Butler County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #3085). 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 13.76%, 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

Butler County Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Butler County Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
3085
RSSD ID
497879
Primary regulator
NCUA
Established
1939
Headquarters
112 Campus Ln, Butler, PA 16001
Employees
4

Quick answers

Butler County Teachers Federal Credit Union: common questions

Is Butler County Teachers Federal Credit Union NCUA insured?

Yes. Butler County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #3085). 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 Butler County Teachers Federal Credit Union's TellerScore?

80 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 Butler County Teachers Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Butler

InstitutionScoreAssetsCapitalProblem loansCompare
Moonlight Federal Credit UnionCredit union Worthington, PA94 out of 100, Very strong$53.6M17.9%0.06%vs
Sca Federal Credit UnionCredit union New Castle, PA94 out of 100, Very strong$17.4M19.7%0.09%vs
Freedom United Federal Credit UnionCredit union Rochester, PA93 out of 100, Very strong$94.2M19.0%0.84%vs
Grove City Area Federal Credit UnionCredit union Grove City, PA87 out of 100, Very strong$152.8M15.3%1.33%vs
Elliott Community Federal Credit UnionCredit union Jeannette, PA86 out of 100, Very strong$53.7M15.2%0.38%vs
Sru Federal Credit UnionCredit union Slippery Rock, PA83 out of 100, Strong$67.1M12.8%0.54%vs