TellerScore

Finanta Federal Credit Union (NCUA charter #24928) is based in Lancaster, Pennsylvania. Its Q2 2026 call report shows $50.9M in total assets and $28.4M in member shares and deposits.

Finanta Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 154th. Earnings contributes the most (100/100, 4.75%); loan quality contributes the least (45/100, 1.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.44%
Loan quality45/100
Loans 60+ days delinquent ÷ total loans: 1.64%
Earnings100/100
Return on assets (annualized): 4.75%
Funding & liquidity67/100
Loans ÷ shares: 27.3% · 45.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.01%

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 15 points (88 → 73), mostly because the funding & liquidity component weakened by 28 points.

TellerScore
617691Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202477
Q4 202485
Q1 202591
Q2 202588
Q3 202582
Q4 202586
Q1 202685
Q2 202673
Net worth ratio
7.00%22.78%38.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202438.56%
Q3 202437.38%
Q4 202418.26%
Q1 202519.15%
Q2 202516.39%
Q3 202515.37%
Q4 202514.49%
Q1 202614.50%
Q2 202612.44%
Delinquent loans (60+ days)
0.57%2.00%3.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.42%
Q3 20242.29%
Q4 20241.75%
Q1 20251.11%
Q2 20251.33%
Q3 20251.33%
Q4 20250.57%
Q1 20261.26%
Q2 20261.64%
Return on assets
0.24%5.14%10.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20241.61%
Q4 20243.06%
Q1 20258.14%
Q2 20252.58%
Q3 20251.35%
Q4 20251.15%
Q1 202610.04%
Q2 20264.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$50.9M12.44%1.64%4.75%27.3%
Q1 202685$42.7M14.50%1.26%10.04%26.4%
Q4 202586$35.3M14.49%0.57%1.15%28.3%
Q3 202582$32.8M15.37%1.33%1.35%28.2%
Q2 202588$31.2M16.39%1.33%2.58%30.2%
Q1 202591$27.5M19.15%1.11%8.14%43.7%
Q4 202485$25.8M18.26%1.75%3.06%50.9%
Q3 202477$10.8M37.38%2.29%1.61%50.6%
Q2 202461$10.2M38.56%3.42%0.24%47.3%

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 ratio12.44%
35th
Problem loans1.64%
26th
Net charge-offs0.17%
51st
Return on assets4.75%
100th
Loans to deposits27.3%
91st
Uninsured deposits45.2%
0th
Loan-loss reserves0.00%
37th
Texas ratio2.0%
52nd

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
West Branch Valley Federal Credit UnionCredit union Williamsport, PA73 out of 100, Strong$50.8M9.6%0.21%vs
Firstenergy Choice Federal Credit UnionCredit union Greensburg, PA93 out of 100, Very strong$51.6M21.3%0.19%vs
3hill Credit UnionCredit union Blue Bell, PA61 out of 100, Moderate$50.0M12.0%2.12%vs
Earning Tree Federal Credit UnionCredit union Wilkes Barre, PA46 out of 100, Below average$49.4M10.2%3.89%vs
Prr South Fork Federal Credit UnionCredit union South Fork, PA90 out of 100, Very strong$48.8M20.8%0.10%vs
Moonlight Federal Credit UnionCredit union Worthington, PA94 out of 100, Very strong$53.6M17.9%0.06%vs

Deposit insurance

Is my money safe at Finanta Federal Credit Union?

Yes. Finanta Federal Credit Union is a federally insured credit union (NCUA charter #24928). 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 45.2% of shares and deposits ($12.8M) 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 12.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Finanta Federal Credit Union
Type
Federal credit union
NCUA charter #
24928
RSSD ID
4031486
Primary regulator
NCUA
Established
2021
Headquarters
51 S Duke St, Lancaster, PA 17602
Employees
20

Quick answers

Finanta Federal Credit Union: common questions

Is Finanta Federal Credit Union NCUA insured?

Yes. Finanta Federal Credit Union is a federally insured credit union (NCUA charter #24928). 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 Finanta Federal Credit Union's TellerScore?

73 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.