TellerScore

Discovery Federal Credit Union (NCUA charter #12935) is based in Wyomissing, Pennsylvania. Its Q2 2026 call report shows $193.2M in total assets and $171.1M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Discovery Federal Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 162nd. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is earnings (47/100; 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.48%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity83/100
Loans ÷ shares: 77.1% · 4.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.88%

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 2 points (70 → 72), mostly because the earnings component improved by 8 points.

TellerScore
707274Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202472
Q1 202570
Q2 202570
Q3 202572
Q4 202574
Q1 202674
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 202410.72%
Q3 202410.84%
Q4 202410.93%
Q1 202510.77%
Q2 202510.93%
Q3 202511.20%
Q4 202511.44%
Q1 202611.42%
Q2 202611.48%
Delinquent loans (60+ days)
0.02%0.25%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.07%
Q4 20240.11%
Q1 20250.04%
Q2 20250.41%
Q3 20250.44%
Q4 20250.43%
Q1 20260.40%
Q2 20260.48%
Return on assets
0.13%0.52%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.37%
Q4 20240.46%
Q1 20250.13%
Q2 20250.48%
Q3 20250.71%
Q4 20250.92%
Q1 20260.89%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$193.2M11.48%0.48%0.68%77.1%
Q1 202674$192.2M11.42%0.40%0.89%76.2%
Q4 202574$188.1M11.44%0.43%0.92%77.6%
Q3 202572$185.5M11.20%0.44%0.71%76.3%
Q2 202570$185.1M10.93%0.41%0.48%73.0%
Q1 202570$184.4M10.77%0.04%0.13%72.6%
Q4 202472$181.1M10.93%0.11%0.46%72.2%
Q3 202472$179.5M10.84%0.07%0.37%70.5%
Q2 202473$180.1M10.72%0.02%0.38%67.9%

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 loans0.48%
66th
Net charge-offs0.19%
73rd
Return on assets0.68%
45th
Loans to deposits77.1%
47th
Uninsured deposits4.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio2.9%
64th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Mon Valley Community Federal Credit UnionCredit union Allenport, PA77 out of 100, Strong$193.4M32.8%2.76%vs
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Priority First Federal Credit UnionCredit union Du Bois, PA77 out of 100, Strong$187.3M12.1%0.81%vs
Omega Federal Credit UnionCredit union Wexford, PA64 out of 100, Moderate$186.9M11.0%0.99%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Arize Federal Credit UnionCredit union State College, PA40 out of 100, Below average$175.9M7.8%2.12%vs

Deposit insurance

Is my money safe at Discovery Federal Credit Union?

Yes. Discovery Federal Credit Union is a federally insured credit union (NCUA charter #12935). 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 4.0% of shares and deposits ($6.9M) 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

1 location

Branches

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Discovery Federal Credit Union reported 152 home-loan applications under HMDA (LEI 254900DBXH1D6Z0HXT15): 112 originated ($8,280,000 total), 22 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.4%, 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
Discovery Federal Credit Union
Type
Federal credit union
NCUA charter #
12935
RSSD ID
37985
Primary regulator
NCUA
Established
1959
Headquarters
2744 Century Blvd, Wyomissing, PA 19610
Employees
27

Quick answers

Discovery Federal Credit Union: common questions

Is Discovery Federal Credit Union NCUA insured?

Yes. Discovery Federal Credit Union is a federally insured credit union (NCUA charter #12935). 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 Discovery 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 Discovery Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wyomissing

InstitutionScoreAssetsCapitalProblem loansCompare
Lancaster Red Rose Credit UnionCredit union Leola, PA92 out of 100, Very strong$54.8M14.9%0.61%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Pagoda Federal Credit UnionCredit union Reading, PA87 out of 100, Very strong$32.6M12.0%0.31%vs
Berylco Employees' Credit UnionCredit union Hamburg, PA87 out of 100, Very strong$1.7M61.1%0.00%vs
Ambler Savings BankBank Ambler, PA79 out of 100, Strong$502.3M14.3%0.31%vs
Utilities Employees Credit UnionCredit union Reading, PA77 out of 100, Strong$1.5B15.7%1.26%vs