TellerScore

Citadel Federal Credit Union (NCUA charter #2099) is based in Exton, Pennsylvania. Its Q2 2026 call report shows $6.9B in total assets and $5.8B in member shares and deposits and 11 offices.

Based on its Q2 2026 filing, Citadel Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 27% of 454 credit unions with $1 billion – $10 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 221st. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is earnings (39/100; 0.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.31%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings39/100
Return on assets (annualized): 0.46%
Funding & liquidity55/100
Loans ÷ shares: 104.8% · 12.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.30%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 61).

TellerScore
616263Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202463
Q3 202462
Q4 202462
Q1 202563
Q2 202562
Q3 202562
Q4 202561
Q1 202661
Q2 202661
Net worth ratio
7.00%8.41%9.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.67%
Q3 20249.81%
Q4 20249.65%
Q1 20259.63%
Q2 20259.57%
Q3 20259.58%
Q4 20259.42%
Q1 20269.32%
Q2 20269.31%
Delinquent loans (60+ days)
0.30%0.34%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.38%
Q4 20240.34%
Q1 20250.32%
Q2 20250.31%
Q3 20250.31%
Q4 20250.33%
Q1 20260.30%
Q2 20260.33%
Return on assets
0.44%0.55%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.60%
Q4 20240.53%
Q1 20250.67%
Q2 20250.53%
Q3 20250.59%
Q4 20250.50%
Q1 20260.44%
Q2 20260.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$6.9B9.31%0.33%0.46%104.8%
Q1 202661$6.8B9.32%0.30%0.44%103.9%
Q4 202561$6.6B9.42%0.33%0.50%105.6%
Q3 202562$6.5B9.58%0.31%0.59%107.0%
Q2 202562$6.4B9.57%0.31%0.53%104.0%
Q1 202563$6.3B9.63%0.32%0.67%103.3%
Q4 202462$6.2B9.65%0.34%0.53%106.1%
Q3 202462$6.0B9.81%0.38%0.60%106.3%
Q2 202463$6.0B9.67%0.35%0.57%104.5%

454 peers · $1 billion – $10 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 ratio9.31%
16th
Problem loans0.33%
87th
Net charge-offs0.39%
66th
Return on assets0.46%
20th
Loans to deposits104.8%
6th
Uninsured deposits12.8%
22nd
Loan-loss reserves0.00%
50th
Texas ratio3.3%
72nd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
American Heritage Federal Credit UnionCredit union Philadelphia, PA51 out of 100, Below average$5.4B8.5%1.23%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
Trumark Financial Credit UnionCredit union Fort Washington, PA64 out of 100, Moderate$3.6B10.7%0.54%vs
Franklin Mint Federal Credit UnionCredit union Chadds Ford, PA57 out of 100, Moderate$2.2B8.7%0.83%vs
Clearview Federal Credit UnionCredit union Moon Township, PA69 out of 100, Moderate$2.2B11.2%0.69%vs

Deposit insurance

Is my money safe at Citadel Federal Credit Union?

Yes. Citadel Federal Credit Union is a federally insured credit union (NCUA charter #2099). 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 12.8% of shares and deposits ($744.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Citadel Federal Credit Union lists 11 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citadel Federal Credit Union reported 4,248 home-loan applications under HMDA (LEI 549300XOOL3OJTITCV30): 2,441 originated ($415,585,000 total), 1,022 denied, and 723 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.0%, 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
Citadel Federal Credit Union
Type
Federal credit union
NCUA charter #
2099
RSSD ID
167873
Primary regulator
NCUA
Established
1937
Headquarters
520 Eagleview Blvd, Exton, PA 19341
Employees
685

Quick answers

Citadel Federal Credit Union: common questions

Is Citadel Federal Credit Union NCUA insured?

Yes. Citadel Federal Credit Union is a federally insured credit union (NCUA charter #2099). 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 Citadel Federal Credit Union's TellerScore?

61 out of 100 (Moderate), 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 Citadel Federal Credit Union have?

11 offices as of the latest NCUA data.

Nearby

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