TellerScore

Earning Tree Federal Credit Union (NCUA charter #12333) is based in Wilkes Barre, Pennsylvania. Its Q2 2026 call report shows $49.4M in total assets and $44.7M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Earning Tree Federal Credit Union scores 46/100, which we describe as below average. That is higher than only 6% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 260th. Its strongest component is funding & liquidity (100/100; 15% loans-to-deposits, 7% uninsured), and its lowest is loan quality (0/100; 3.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.19%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.89%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity100/100
Loans ÷ shares: 15.1% · 7.1% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.21%

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 10 points (56 → 46), mostly because the loan quality component weakened by 28 points.

TellerScore
465564Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202464
Q1 202559
Q2 202556
Q3 202563
Q4 202557
Q1 202648
Q2 202646
Net worth ratio
7.00%8.93%10.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.84%
Q3 202410.84%
Q4 202410.85%
Q1 202510.59%
Q2 202510.51%
Q3 202510.61%
Q4 202510.56%
Q1 202610.44%
Q2 202610.19%
Delinquent loans (60+ days)
1.14%2.52%3.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.43%
Q3 20241.61%
Q4 20241.14%
Q1 20251.80%
Q2 20252.15%
Q3 20251.46%
Q4 20252.11%
Q1 20263.08%
Q2 20263.89%
Return on assets
0.06%0.31%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 20240.19%
Q4 20240.20%
Q1 20250.43%
Q2 20250.51%
Q3 20250.56%
Q4 20250.54%
Q1 20260.44%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$49.4M10.19%3.89%0.28%15.1%
Q1 202648$48.1M10.44%3.08%0.44%15.5%
Q4 202557$47.0M10.56%2.11%0.54%16.6%
Q3 202563$46.3M10.61%1.46%0.56%16.9%
Q2 202556$46.0M10.51%2.15%0.51%16.8%
Q1 202559$45.0M10.59%1.80%0.43%16.3%
Q4 202464$43.5M10.85%1.14%0.20%17.6%
Q3 202459$43.3M10.84%1.61%0.19%18.5%
Q2 202459$42.8M10.84%1.43%0.06%19.0%

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 ratio10.19%
18th
Problem loans3.89%
9th
Net charge-offs0.37%
34th
Return on assets0.28%
31st
Loans to deposits15.1%
97th
Uninsured deposits7.1%
13th
Loan-loss reserves0.00%
37th
Texas ratio5.2%
28th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
3hill Credit UnionCredit union Blue Bell, PA61 out of 100, Moderate$50.0M12.0%2.12%vs
Prr South Fork Federal Credit UnionCredit union South Fork, PA90 out of 100, Very strong$48.8M20.8%0.10%vs
West Branch Valley Federal Credit UnionCredit union Williamsport, PA73 out of 100, Strong$50.8M9.6%0.21%vs
Finanta Federal Credit UnionCredit union Lancaster, PA73 out of 100, Strong$50.9M12.4%1.64%vs
Vantage Trust Federal Credit UnionCredit union Wilkes Barre, PA50 out of 100, Below average$47.7M7.3%1.23%vs
Firstenergy Choice Federal Credit UnionCredit union Greensburg, PA93 out of 100, Very strong$51.6M21.3%0.19%vs

Deposit insurance

Is my money safe at Earning Tree Federal Credit Union?

Yes. Earning Tree Federal Credit Union is a federally insured credit union (NCUA charter #12333). 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 7.1% of shares and deposits ($3.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.19%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Earning Tree Federal Credit Union lists 4 offices in 4 cities. Most locations:

  • Hazleton, PA (1)
  • Plains, PA (1)
  • Shavertown, PA (1)
  • Wyoming, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Earning Tree Federal Credit Union
Type
Federal credit union
NCUA charter #
12333
RSSD ID
421780
Primary regulator
NCUA
Established
1958
Headquarters
PO Box 1234, Wilkes Barre, PA 18703
Employees
5

Quick answers

Earning Tree Federal Credit Union: common questions

Is Earning Tree Federal Credit Union NCUA insured?

Yes. Earning Tree Federal Credit Union is a federally insured credit union (NCUA charter #12333). 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 Earning Tree Federal Credit Union's TellerScore?

46 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 Earning Tree Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
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