TellerScore

Headquartered in Plains Township, Pennsylvania, Choice One Community Federal Credit Union is a federal credit union with $130.9M in total assets and $119.1M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1941.

Based on its Q2 2026 filing, Choice One Community Federal Credit Union scores 45/100, which we describe as below average. That is higher than only 3% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 263rd. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 0% uninsured), and its lowest is loan quality (5/100; 2.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.10%
Loan quality5/100
Loans 60+ days delinquent ÷ total loans: 2.86%
Earnings34/100
Return on assets (annualized): 0.34%
Funding & liquidity97/100
Loans ÷ shares: 63.4% · 0.0% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.35%

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 18 points (63 → 45), mostly because the loan quality component weakened by 53 points.

TellerScore
455463Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202458
Q3 202462
Q4 202461
Q1 202560
Q2 202563
Q3 202559
Q4 202557
Q1 202645
Q2 202645
Net worth ratio
7.00%8.62%10.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.93%
Q3 20249.40%
Q4 20249.67%
Q1 20259.50%
Q2 20259.85%
Q3 202510.20%
Q4 202510.24%
Q1 20269.93%
Q2 202610.10%
Delinquent loans (60+ days)
0.68%1.77%2.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20240.68%
Q4 20240.89%
Q1 20251.47%
Q2 20251.25%
Q3 20251.69%
Q4 20251.89%
Q1 20262.54%
Q2 20262.86%
Return on assets
0.17%0.55%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.51%
Q3 20240.47%
Q4 20240.48%
Q1 20250.92%
Q2 20250.93%
Q3 20250.90%
Q4 20250.85%
Q1 20260.17%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$130.9M10.10%2.86%0.34%63.4%
Q1 202645$131.4M9.93%2.54%0.17%63.7%
Q4 202557$126.9M10.24%1.89%0.85%67.0%
Q3 202559$125.0M10.20%1.69%0.90%69.8%
Q2 202563$126.9M9.85%1.25%0.93%69.0%
Q1 202560$128.4M9.50%1.47%0.92%68.5%
Q4 202461$123.9M9.67%0.89%0.48%72.5%
Q3 202462$125.9M9.40%0.68%0.47%73.4%
Q2 202458$130.4M8.93%0.98%0.51%71.6%

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 ratio10.10%
30th
Problem loans2.86%
2nd
Net charge-offs0.38%
48th
Return on assets0.34%
20th
Loans to deposits63.4%
73rd
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio16.3%
4th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Tri Boro Federal Credit UnionCredit union Munhall, PA76 out of 100, Strong$130.6M14.5%0.94%vs
Heritage Valley Federal Credit UnionCredit union York, PA56 out of 100, Moderate$131.3M7.8%1.21%vs
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs
Pheple Federal Credit UnionCredit union Greensburg, PA63 out of 100, Moderate$134.0M9.6%0.57%vs
Allentown Federal Credit UnionCredit union Allentown, PA86 out of 100, Very strong$127.7M16.5%0.76%vs

Deposit insurance

Is my money safe at Choice One Community Federal Credit Union?

Yes. Choice One Community Federal Credit Union is a federally insured credit union (NCUA charter #4240). 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, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Choice One Community Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Choice One Community Federal Credit Union reported 113 home-loan applications under HMDA (LEI 549300DA1N0K2LJI0471): 88 originated ($6,280,000 total), 25 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.1%, 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
Choice One Community Federal Credit Union
Type
Federal credit union
NCUA charter #
4240
RSSD ID
412274
Primary regulator
NCUA
Established
1941
Headquarters
501 E Main St, Plains Township, PA 18702
Employees
32

Quick answers

Choice One Community Federal Credit Union: common questions

Is Choice One Community Federal Credit Union NCUA insured?

Yes. Choice One Community Federal Credit Union is a federally insured credit union (NCUA charter #4240). 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 Choice One Community Federal Credit Union's TellerScore?

45 out of 100 (Below average), 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 Choice One Community Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Plains Township

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Corner Post Federal Credit UnionCredit union Wilkes Barre, PA92 out of 100, Very strong$99.4M17.7%0.91%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs