TellerScore

Headquartered in Latrobe, Pennsylvania, Dertown School Federal Credit Union is a federal credit union with $12.3M in total assets and $8.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1955.

Dertown School Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 74th. Capital cushion contributes the most (100/100, 30.42%); earnings contributes the least (50/100, 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 30.42%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity58/100
Loans ÷ shares: 102.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 2 points (86 → 84), mostly because the earnings component weakened by 6 points.

TellerScore
828587Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202486
Q4 202487
Q1 202584
Q2 202586
Q3 202586
Q4 202587
Q1 202682
Q2 202684
Net worth ratio
7.00%18.71%30.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202429.30%
Q3 202429.52%
Q4 202429.58%
Q1 202529.16%
Q2 202529.06%
Q3 202529.58%
Q4 202529.87%
Q1 202629.75%
Q2 202630.42%
Delinquent loans (60+ days)
0.00%0.02%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.05%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.33%0.76%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20241.06%
Q4 20241.20%
Q1 20250.83%
Q2 20250.91%
Q3 20251.03%
Q4 20251.10%
Q1 20260.33%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$12.3M30.42%0.00%0.75%102.3%
Q1 202682$12.4M29.75%0.00%0.33%93.9%
Q4 202587$12.3M29.87%0.00%1.10%95.8%
Q3 202586$12.3M29.58%0.00%1.03%100.0%
Q2 202586$12.4M29.06%0.00%0.91%97.7%
Q1 202584$12.3M29.16%0.05%0.83%99.4%
Q4 202487$12.0M29.58%0.00%1.20%104.1%
Q3 202486$11.9M29.52%0.00%1.06%105.5%
Q2 202484$11.8M29.30%0.00%0.88%108.7%

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 ratio30.42%
94th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.75%
56th
Loans to deposits102.3%
3rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Wabellco Federal Credit UnionCredit union Washington, PA74 out of 100, Strong$12.3M9.5%0.00%vs
Pennsylvania-American Water Federal Credit UnionCredit union Bethel Park, PA72 out of 100, Strong$12.0M12.8%0.40%vs
Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA76 out of 100, Strong$11.9M10.3%0.04%vs
Clairton Works Federal Credit UnionCredit union Clairton, PA87 out of 100, Very strong$11.8M15.2%0.06%vs
Northampton Area School Dist. Emps Federal Credit UnionCredit union Northampton, PA95 out of 100, Very strong$11.7M20.9%0.09%vs
Scranton Downtown Federal Credit UnionCredit union Scranton, PA64 out of 100, Moderate$13.2M11.7%1.41%vs

Deposit insurance

Is my money safe at Dertown School Federal Credit Union?

Yes. Dertown School Federal Credit Union is a federally insured credit union (NCUA charter #10141). 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 30.42%, 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

Dertown School Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Dertown School Federal Credit Union
Type
Federal credit union
NCUA charter #
10141
RSSD ID
710185
Primary regulator
NCUA
Established
1955
Headquarters
5012 State Route 982 APT 3, Latrobe, PA 15650
Employees
2

Quick answers

Dertown School Federal Credit Union: common questions

Is Dertown School Federal Credit Union NCUA insured?

Yes. Dertown School Federal Credit Union is a federally insured credit union (NCUA charter #10141). 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 Dertown School Federal Credit Union's TellerScore?

84 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 Dertown School Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Latrobe

InstitutionScoreAssetsCapitalProblem loansCompare
Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA99 out of 100, Very strong$5.3M21.2%0.00%vs
Westmoreland Water Federal Credit UnionCredit union Greensburg, PA97 out of 100, Very strong$23.5M18.9%0.12%vs
Mt Pleasant Area School Emp Federal Credit UnionCredit union Mount Pleasant, PA97 out of 100, Very strong$2.3M25.4%0.00%vs
Firstenergy Choice Federal Credit UnionCredit union Greensburg, PA93 out of 100, Very strong$51.6M21.3%0.19%vs
Glass Cap Federal Credit UnionCredit union Connellsville, PA89 out of 100, Very strong$45.4M18.3%0.76%vs
Commercial Bank and Trust of PABank Latrobe, PA86 out of 100, Very strong$357.5M14.7%0.14%vs