Headquartered in Lancaster, Pennsylvania, Everence Federal Credit Union is a federal credit union with $449.8M in total assets and $413.1M in member shares and deposits as of Q2 2026. It operates 11 offices across 5 states. Its charter dates back to 1955.
Based on its Q2 2026 filing, Everence Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 208th. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is capital cushion (37/100; 8.69%).
TellerScore · Q2 2026
Scorecard
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 6 points (58 → 64), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 58 |
| Q4 2024 | 59 |
| Q1 2025 | 59 |
| Q2 2025 | 58 |
| Q3 2025 | 56 |
| Q4 2025 | 58 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.02% |
| Q3 2024 | 8.02% |
| Q4 2024 | 7.65% |
| Q1 2025 | 7.78% |
| Q2 2025 | 7.98% |
| Q3 2025 | 8.10% |
| Q4 2025 | 8.23% |
| Q1 2026 | 8.39% |
| Q2 2026 | 8.69% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $449.8M | 8.69% | 0.54% | 1.07% | 87.4% |
| Q1 2026 | 63 | $450.1M | 8.39% | 0.47% | 0.96% | 84.7% |
| Q4 2025 | 58 | $455.4M | 8.23% | 0.70% | 0.74% | 86.0% |
| Q3 2025 | 56 | $444.7M | 8.10% | 0.91% | 0.73% | 86.9% |
| Q2 2025 | 58 | $439.5M | 7.98% | 0.69% | 0.76% | 87.4% |
| Q1 2025 | 59 | $443.6M | 7.78% | 0.54% | 0.75% | 83.8% |
| Q4 2024 | 59 | $440.8M | 7.65% | 0.38% | 0.48% | 83.6% |
| Q3 2024 | 58 | $435.9M | 8.02% | 0.50% | 0.48% | 81.8% |
| Q2 2024 | 60 | $435.2M | 8.02% | 0.41% | 0.42% | 77.9% |
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).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Widget Federal Credit UnionCredit union Erie, PA | 73 out of 100, Strong | $480.3M | 10.7% | 0.36% | vs |
| Lehigh Valley Educators Credit UnionCredit union Allentown, PA | 83 out of 100, Strong | $485.2M | 15.5% | 1.09% | vs |
| Inspire Federal Credit UnionCredit union Newtown, PA | 59 out of 100, Moderate | $392.1M | 10.5% | 0.93% | vs |
| West-Aircomm Federal Credit UnionCredit union Beaver, PA | 64 out of 100, Moderate | $375.7M | 12.4% | 1.90% | vs |
| First Capital Federal Credit UnionCredit union York, PA | 81 out of 100, Strong | $368.5M | 11.9% | 0.20% | vs |
| Lebanon Federal Credit UnionCredit union Lebanon, PA | 70 out of 100, Strong | $539.7M | 9.9% | 0.61% | vs |
Deposit insurance
Is my money safe at Everence Federal Credit Union?
Yes. Everence Federal Credit Union is a federally insured credit union (NCUA charter #10223). 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 5.1% of shares and deposits ($21.2M) 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 8.69%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
Everence Federal Credit Union lists 11 offices in 10 cities across 5 states. Most locations:
- Lancaster, PA (2)
- Belleville, PA (1)
- Dalton, OH (1)
- Ephrata, PA (1)
- Goshen, IN (1)
- Harrisonburg, VA (1)
- Lititz, PA (1)
- Mount Joy, PA (1)
- Philadelphia, PA (1)
- Sarasota, FL (1)
HMDA 2025
Mortgage lending
In 2025, Everence Federal Credit Union reported 448 home-loan applications under HMDA (LEI 54930053KPO7OG48FP72): 280 originated ($46,110,000 total), 123 denied, and 42 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.3%, 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
- Everence Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10223
- RSSD ID
- 168188
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- 2160 Lincoln Hwy E Ste 20, Lancaster, PA 17602
- Employees
- 90
Quick answers
Everence Federal Credit Union: common questions
Is Everence Federal Credit Union NCUA insured?
Yes. Everence Federal Credit Union is a federally insured credit union (NCUA charter #10223). 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 Everence Federal Credit Union's TellerScore?
64 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 Everence Federal Credit Union have?
11 offices as of the latest NCUA data, in 5 states.
Nearby
Highest-scoring banks and credit unions with branches near Lancaster
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lancaster Red Rose Credit UnionCredit union Leola, PA | 92 out of 100, Very strong | $54.8M | 14.9% | 0.61% | vs |
| Members 1st Federal Credit UnionCredit union Enola, PA | 88 out of 100, Very strong | $8.7B | 15.1% | 0.73% | vs |
| Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA | 80 out of 100, Strong | $9.7B | 11.8% | 0.75% | vs |
| ACNB BankBank Gettysburg, PA | 77 out of 100, Strong | $3.3B | 11.2% | 0.40% | vs |
| Jonestown Bank and Trust Company, of Jonestown, PennsylvaniaBank Jonestown, PA | 75 out of 100, Strong | $1.0B | 10.2% | 0.02% | vs |
| Belco Community Credit UnionCredit union Harrisburg, PA | 72 out of 100, Strong | $974.4M | 10.7% | 0.56% | vs |