TellerScore

Headquartered in Pittsburgh, Pennsylvania, Century Heritage Federal Credit Union is a federal credit union with $289.5M in total assets and $251.4M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1936.

Century Heritage Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 161st. Problem-loan coverage contributes the most (91/100, 4.3%); earnings contributes the least (61/100, 1.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.48%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.75%
Earnings61/100
Return on assets (annualized): 1.01%
Funding & liquidity85/100
Loans ÷ shares: 75.3% · 4.3% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.28%

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 (65 → 72), mostly because the earnings component improved by 21 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202463
Q4 202469
Q1 202567
Q2 202565
Q3 202565
Q4 202566
Q1 202672
Q2 202672
Net worth ratio
7.00%9.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.56%
Q3 202410.43%
Q4 202410.62%
Q1 202510.54%
Q2 202510.69%
Q3 202510.80%
Q4 202511.08%
Q1 202611.24%
Q2 202611.48%
Delinquent loans (60+ days)
0.38%0.69%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.68%
Q3 20241.00%
Q4 20240.50%
Q1 20250.38%
Q2 20250.83%
Q3 20250.93%
Q4 20251.00%
Q1 20260.64%
Q2 20260.75%
Return on assets
0.30%0.66%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.57%
Q4 20240.67%
Q1 20250.30%
Q2 20250.50%
Q3 20250.56%
Q4 20250.66%
Q1 20260.86%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$289.5M11.48%0.75%1.01%75.3%
Q1 202672$288.0M11.24%0.64%0.86%72.9%
Q4 202566$286.5M11.08%1.00%0.66%72.7%
Q3 202565$287.1M10.80%0.93%0.56%73.4%
Q2 202565$285.5M10.69%0.83%0.50%73.8%
Q1 202567$284.7M10.54%0.38%0.30%73.5%
Q4 202469$280.9M10.62%0.50%0.67%74.7%
Q3 202463$279.3M10.43%1.00%0.57%75.0%
Q2 202467$272.1M10.56%0.68%0.60%75.9%

1,341 peers · $100 million – $1 billion

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 ratio11.48%
51st
Problem loans0.75%
45th
Net charge-offs0.06%
91st
Return on assets1.01%
67th
Loans to deposits75.3%
51st
Uninsured deposits4.3%
68th
Loan-loss reserves0.00%
50th
Texas ratio4.3%
48th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Allegent Community Federal Credit UnionCredit union Pittsburgh, PA68 out of 100, Moderate$281.2M17.3%1.46%vs
Penn East Federal Credit UnionCredit union Scranton, PA74 out of 100, Strong$280.4M10.6%0.20%vs
Cross Valley Federal Credit UnionCredit union Wilkes Barre, PA65 out of 100, Moderate$300.0M8.2%0.69%vs
Top Tier Federal Credit UnionCredit union Clarion, PA71 out of 100, Strong$277.5M10.0%0.60%vs
Bhcu Credit UnionCredit union Ridley Park, PA70 out of 100, Strong$276.2M11.9%0.67%vs
Penn State Federal Credit UnionCredit union Bellefonte, PA93 out of 100, Very strong$274.4M14.0%0.33%vs

Deposit insurance

Is my money safe at Century Heritage Federal Credit Union?

Yes. Century Heritage Federal Credit Union is a federally insured credit union (NCUA charter #1352). 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 4.3% of shares and deposits ($10.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.48%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Century Heritage Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Century Heritage Federal Credit Union reported 70 home-loan applications under HMDA (LEI 2549006MS554K1PP0026): 63 originated ($4,055,000 total), 7 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Century Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
1352
RSSD ID
367879
Primary regulator
NCUA
Established
1936
Headquarters
700 Regis Ave, Pittsburgh, PA 15236
Employees
51

Quick answers

Century Heritage Federal Credit Union: common questions

Is Century Heritage Federal Credit Union NCUA insured?

Yes. Century Heritage Federal Credit Union is a federally insured credit union (NCUA charter #1352). 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 Century Heritage Federal Credit Union's TellerScore?

72 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 Century Heritage Federal Credit Union have?

3 offices as of the latest NCUA data.